Hard Money Lenders in Bridgeport, CT | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard Money Lenders inBridgeport, Connecticut

Fix and flip, DSCR rental and new construction financing for Bridgeport investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.

Get a term sheet →Price a Bridgeport deal

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO, September 2026

Price a Bridgeport deal right now

Prefilled with a realistic Bridgeport deal. Change any number and it reprices on the programs that lend in Connecticut, with the same math as our term sheets.

Sizing your flip on the same terms as the term sheet. Get a real term sheet →

Financing a deal in Bridgeport

Bridgeport is Connecticut’s largest city and the affordable corner of Fairfield County, where the typical home is worth about half the county figure. Metro-North puts New York within reach, which pulls in buyers and renters who can’t pay Stamford or Norwalk prices. The North End and Brooklawn hold the capes, colonials and ranches that make clean single family flips, Black Rock is the waterfront premium, and the East Side, East End and West End are mostly older two and three family houses.

Bridgeport is a slower market than it was a year ago. Homes are taking longer to sell, while prices are still up, which means the resale is still there but the carry needs more room. The flips that work are in the North End, Brooklawn and the edges of Black Rock, bought with a margin that survives a few extra weeks on market. Multifamily on the East Side and East End works when the rents are documented, because that buyer is underwriting income, not granite.

What a Bridgeport deal looks like on paper

Bridgeport example: $240,000 purchase, $65,000 rehab, $425,000 after repair value, 700 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Say a 1950s cape in the North End with original baths, an undersized electrical service and a basement that takes water in a storm. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$269,000
Cash to close$50,588
Proof of funds to show$80,902
Where the $50,588 goes
  • Down payment (15% of the purchase)You$36,000
  • Origination (0.5%)Lender$2,000
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$2,690
  • Title and closing (estimate at Texas rates)Title$3,665
  • Prepaid interest (15 days)Lender$796
  • Property insuranceInsurer$2,898
  • AppraisalAppraiser$550

Interest while you rehab: $1,613 a month on the $204,000 funded at closing, $2,127 once every draw is out. Proof of funds is cash to close plus $17,550 of rehab reserve and $12,764 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.

Fix and flip programs in Bridgeport

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15% of purchase700+First flip OK8.99% to 9.49%0.5%70% of ARV12 months5-14 days
First Flip, 10% Down110% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips27.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips35% of purchase660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips40% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
  1. Rate 9.99% with 2% to 2.25% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  2. Rate 9.99% with 1.5% to 1.75% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  3. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  4. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% with 2% to 3% origination, set per file. Purchase plus rehab must fit under 70% of ARV.

Origination has a $2,000 minimum on most programs (a few lenders set a higher one, noted above) and our broker fee is 1% with a $2,000 minimum and a $10,000 maximum. These are the numbers our term sheets use as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

Where Bridgeport prices sit right now

Before we price a Bridgeport flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.

Redfin puts the Bridgeport median sale price at $412,000 over the three months through August 2026, up 5.7% from a year earlier, with homes selling in about 46 days against 43 a year before. Zillow’s typical home value is $364,989 as of August 31, 2026, up 4.5% over the year, against $693,453 for Fairfield County. First Street data on Redfin rates both flood and wind risk as major, with 2,625 properties, about 19% of the city, at severe 30 year flood risk.

Median sale price, Bridgeport (Redfin, 3 months to Aug 2026)$412,000
Days on market, Bridgeport (Redfin)46
Homes sold in August 2026 (Redfin)246
Zillow home value index, Bridgeport (Aug 2026)$364,989
Zillow home value index, Fairfield County (Aug 2026)$693,453
Share of properties at severe 30-year flood risk (First Street via Redfin)19%

Sources: Redfin, Bridgeport housing market, Zillow, Bridgeport home values

How a Bridgeport file actually gets priced

Bridgeport’s price map is uneven, and the appraiser knows it. A Black Rock sale sits in a different tier from the North End, and the East End trades well below both, so we value from closed renovated sales in the same section of the city with the same unit count. Coastal addresses get a flood zone check before the value is set, since flood insurance cost changes what a buyer can pay. With days on market stretching, we also look at how long the comps took to sell and whether they cut price.

This is the most flood exposed of the Connecticut cities we cover. Redfin’s First Street data rates Bridgeport’s flood risk as major, with about 19% of properties likely to be severely affected over 30 years, and rates wind risk as major too, mostly from hurricanes coming up the Sound. The South End, Black Rock harbor and the low ground along the Pequonnock and Yellow Mill channel are where to look first. Price flood insurance before you offer, budget a roof that meets wind standards, and get permits through the city for anything structural.

Who buys your finished Bridgeport deal

Finished Bridgeport singles sell to first time owner occupants, many of them commuting to jobs down the line toward Stamford and New York, and many using FHA, so the house has to pass that appraisal. Two and three family houses sell to owner occupants and investors who underwrite on rent. When the sale gets slow, holding is a real option: the rents here reflect Fairfield County demand, and a DSCR refinance on a renovated multifamily is a common ending.

What happens after you apply

Apply once and the whole Bridgeport loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.

The full walkthrough is on how it works, and you can tour the borrower portal before you apply.

What we fund in Bridgeport

Fix and flip

10%down on a first flip
Rates
from 8.99% at 760+ credit
With experience
0% down with 2+ completed flips, purchase plus rehab under 70% of ARV
Rehab
100% funded, paid in draws
Fix and flip loans in Connecticut →

Rental (DSCR)

7.00%rates from, 30-year fixed
Qualify on
the rent, no W-2s or tax returns
Down
from 20% at 700+ credit
Good for
buy-and-hold, and the refinance when a flip becomes a rental
DSCR loans in Connecticut →

New construction

95%of cost with a financed interest reserve, after 1 completed build
Rates
from 8.49% with 5+ completed builds
First build
85% of cost with a GC who has 5+ builds
Builds
single family to small multifamily
New construction loans in Connecticut →

Where we lend in Bridgeport

We broker deals across the whole Bridgeport market. The submarkets investors ask us about most are North End (06606), Black Rock (06605), Brooklawn and St. Vincent (06604 / 06606), West End and West Side (06604 / 06605), East Side (06608) and East End and Mill Hill (06610).

How long does a Bridgeport loan take to fund?

You send the address, purchase price, rehab budget and your ARV, which takes about five minutes and no credit pull. We take it to the lenders in our network that fit it and are licensed in Connecticut, and the rate, origination, leverage and cash to close come back side by side. 5-14 days to fund. We stay on title and the lender through funding.

Bridgeport hard money FAQ

Do you lend hard money in Bridgeport?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Bridgeport scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in Connecticut, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Bridgeport?
As of October 2026: Best Rate (15% down, from 8.99%); First Flip, 10% Down (10% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 100% Financing, 2+ Flips (100% financing when purchase plus rehab fits under 70% of ARV, from 9.50%, 2+ completed flips). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can a Bridgeport hard money loan close?
Most Bridgeport fix and flip files fund in 5-14 days once the file is complete. The First Flip, 10% Down program and the 7.5% Down, 3+ Flips program close in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on a Bridgeport flip?
The worked example on this page is a $240,000 Bridgeport purchase with a $65,000 rehab and a $425,000 after repair value at 700 credit, first flip: $36,000 down (15% of the purchase) and $50,588 total cash to close, with $80,902 of proof of funds to show the lender. The lowest down payment for a first flip in Bridgeport is 10% down from 9.99% at 660+ credit. Investors with a track record can go to 0% down (100% financing) from 9.50% at 620+ credit with 2+ completed flips, when purchase plus rehab fits under 70% of ARV, and you still bring the closing costs in cash. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Bridgeport?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for a Bridgeport fix and flip loan?
The lowest credit floor among the Bridgeport programs is 620, on 100% financing (under 70% of ARV) with 2+ completed flips. A first flip needs 660 or higher. The lowest rate here, 8.99%, needs 760+ credit. Depending on the program, rates step down at 760 credit and origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance a Bridgeport flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Bridgeport flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
How much does flood risk matter on a Bridgeport flip?
A lot, near the water. About one in five Bridgeport properties is in First Street’s severe flood risk group, and a buyer with a mortgage in a mapped flood zone will be required to carry flood insurance, which raises their payment and lowers what they can offer. Check the zone before you bid, get an insurance quote early, and if the house is in the zone, price the resale with that cost in it.
Are Bridgeport homes selling more slowly now?
Yes. Redfin has Bridgeport homes taking about 46 days to sell, up from 43 a year ago, while the median sale price is still higher than last year. The resale market is there, but plan the loan term and the carry for a few extra weeks, and list at a price that moves rather than one that waits.
Micah Foster
Micah Foster
Founder & CEO, Capital Kings LLC
Micah brokers Non-QM and hard money loans for real estate investors across 38 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.

What to read before you sign a term sheet

Hard money near Bridgeport: New Haven and Hartford. More Connecticut city guides: Stamford and Waterbury. Or see everything we fund in Connecticut.

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