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

Hard Money Lenders inHartford, Connecticut

Fix and flip, DSCR rental and new construction financing for Hartford 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 Hartford deal

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

Reviewed by Micah Foster, Founder & CEO, September 2026

Price a Hartford deal right now

Prefilled with a realistic Hartford 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 Hartford

Hartford is Connecticut’s capital and one of the cheapest places to buy a house in the state, sitting inside a county where the typical home is worth nearly twice as much. That gap is the opportunity. The city’s stock is old and solid: colonials and capes in Blue Hills, Victorians and Tudors in the West End, and the multifamily Hartford is known for, the stacked two family “perfect six” and the triple decker, filling the South End, Frog Hollow, Parkville and the North End.

A Hartford deal lives or dies on the block. Prices can change sharply across a single avenue, and a renovated house on the wrong street will sit while the same house four blocks over sells in a week. Buyers here are local, value driven and often using assistance programs, so the finish has to be durable rather than fancy. Most of the money in a Hartford rehab goes behind the walls: steam and hot water heat, old electrical service, galvanized supply lines, slate or asphalt roofs at the end of their life.

What a Hartford deal looks like on paper

Hartford example: $150,000 purchase, $55,000 rehab, $290,000 after repair value, 700 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Picture a 1920s brick colonial in Blue Hills, vacant a couple of years, needing a boiler, a kitchen, two baths and plaster repair. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$182,500
Cash to close$34,722
Proof of funds to show$58,232
Where the $34,722 goes
  • Down payment (15% of the purchase)You$22,500
  • Origination (0.5%)Lender$2,000
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$2,000
  • Title and closing (estimate at Texas rates)Title$3,238
  • Prepaid interest (15 days)Lender$497
  • Property insuranceInsurer$1,948
  • AppraisalAppraiser$550

Interest while you rehab: $1,008 a month on the $127,500 funded at closing, $1,443 once every draw is out. Proof of funds is cash to close plus $14,850 of rehab reserve and $8,660 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 Hartford

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 Hartford prices sit right now

Before we price a Hartford 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 Hartford median sale price at $340,000 over the three months through August 2026, up 7.9% from a year earlier, with homes selling in about 37 days and 134 sales in August. Zillow’s typical home value for the city is $203,792 as of August 31, 2026, against $388,728 for Hartford County. The two measures differ because Redfin reports what actually sold while Zillow values every home, so price your own block, not the citywide number.

Median sale price, Hartford (Redfin, 3 months to Aug 2026)$340,000
Days on market, Hartford (Redfin)37
Homes sold in August 2026 (Redfin)134
Zillow home value index, Hartford (Aug 2026)$203,792
Zillow home value index, Hartford County (Aug 2026)$388,728
Share of properties at severe 30-year flood risk (First Street via Redfin)9%

Sources: Redfin, Hartford housing market, Zillow, Hartford home values, City of Hartford, apply for a rental license

How a Hartford file actually gets priced

Hartford values need close comps and patience. Fewer homes trade here than in the suburbs, so an appraiser may reach back several months or across a neighborhood line, and that is where values drift. We build the number from renovated sales on the same side of the city and the same building type, a single against singles and a two family against two families, and we treat a suburban West Hartford sale as irrelevant no matter how close it is on the map. For multifamily we want the market rent for each unit, because the income approach carries real weight here.

Hartford sits behind Connecticut River dikes, and the Park River that once ran through the city now runs underground in conduits, so most flooding is localized, and Redfin’s First Street data puts roughly one property in eleven at severe 30 year risk. Check the map near the river and the old Park River routes. The bigger local item is paperwork: Hartford requires a residential rental license with a city inspection for rental properties, so a flip that turns into a rental, or a two family sold to a landlord, has to be ready to pass. Pull permits through the city for anything beyond paint and floors, and plan on lead safe work in pre-1978 homes.

Who buys your finished Hartford deal

Finished Hartford singles sell mostly to first time owner occupants on FHA or Connecticut housing finance programs, which means the house must clear an FHA appraisal and its condition list. Renovated two and three family houses sell to owner occupants who use the rent to qualify and to small investors buying cash flow. Because the purchase prices are low and rents are real, a DSCR refinance is often the better ending here than a sale, and we price both before you close.

What happens after you apply

Apply once and the whole Hartford 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 Hartford

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 Hartford

We broker deals across the whole Hartford market. The submarkets investors ask us about most are Blue Hills (06112), West End (06105), Behind the Rocks and Southwest (06114), South End and Barry Square (06114), Parkville and Frog Hollow (06106) and North End and Upper Albany (06120 / 06112).

How long does a Hartford 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.

Hartford hard money FAQ

Do you lend hard money in Hartford?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Hartford 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 Hartford?
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 Hartford hard money loan close?
Most Hartford 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 Hartford flip?
The worked example on this page is a $150,000 Hartford purchase with a $55,000 rehab and a $290,000 after repair value at 700 credit, first flip: $22,500 down (15% of the purchase) and $34,722 total cash to close, with $58,232 of proof of funds to show the lender. The lowest down payment for a first flip in Hartford 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 Hartford?
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 Hartford fix and flip loan?
The lowest credit floor among the Hartford 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 Hartford flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Hartford 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.
Do I need a rental license if my Hartford flip becomes a rental?
Yes. Hartford’s rental licensing program requires owners of residential rental property to apply for a license, and the city inspects for life safety and housing code compliance. If there is any chance the house ends up rented, or you are selling a multifamily to a landlord, build the inspection standard into the rehab so the unit passes the first time.
Is Hartford a first flip friendly market?
The prices are, and so is the program. In Connecticut a first flip can be priced at 15% down with 700+ credit (from 8.99%) or 10% down with 660+ credit (from 9.99%). On a Hartford purchase price either down payment is modest. Programs that need completed flips: 7.5% down from 9.99% with 3+ flips; 5% down from 9.99% with 5+ flips; and 100% financing from 9.50% with 2+ flips when purchase plus rehab fits under 70% of ARV. The bigger first timer risk here is scope, not money: an old two family can hide a lot, so get a contractor through it before you commit.
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 Hartford: New Haven and Springfield. More Connecticut city guides: Bridgeport, Stamford and Waterbury. Or see everything we fund in Connecticut.

Ready to fund your Hartford deal?

Submit your scenario in about 5 minutes. We shop it and come back with real terms, not a generic rate sheet.

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