Broker, not a lenderHard Money Lenders inStamford, Connecticut
Fix and flip, DSCR rental and new construction financing for Stamford 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.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Stamford deal right now
Prefilled with a realistic Stamford deal. Change any number and it reprices instantly on the lanes licensed in Connecticut, using the same engine behind our term sheets.
Financing a deal in Stamford
Stamford is the business center of Fairfield County, a city of corporate headquarters and finance firms with express trains to Grand Central, and its housing ranges from waterfront estates to dense multifamily. Springdale, Glenbrook and Belltown are capes, colonials and raised ranches from the 1920s to the 1960s, the West Side and East Side hold two and three family houses, Shippan is the high end waterfront, and North Stamford is big wooded lots on well and septic. Prices are high by Connecticut standards and reasonable by New York standards, which is the whole draw.
Most Stamford flips are midcentury capes and colonials in Springdale, Glenbrook and Belltown that need a full update and often more space: a dormer, a primary suite, an opened kitchen, a second full bath. The buyer is comparing your house with Darien and Greenwich listings, so finish level matters. The multifamily on the West and East sides is mostly a rental or owner occupant play. With prices off slightly from last year, the deal has to work on today’s renovated sales.
What a Stamford deal looks like on paper
Stamford example: $560,000 purchase, $110,000 rehab, $940,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Say a 1950s Springdale cape with an oil boiler, a single full bath, a closed in kitchen and an unfinished attic that can become a primary suite. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (15% of the purchase)You$84,000
- Origination (0.5%)Lender$2,930
- Lender fees (flat)Lender$1,989
- Broker fee (1%)Broker$5,430
- Title and closing (estimate at Texas rates)Title$5,231
- Prepaid interest (15 days)Lender$2,285
- Property insuranceInsurer$6,365
- AppraisalAppraiser$550
Interest while you rehab: $3,764 a month on the $476,000 funded at closing, $4,634 once every draw is out. Proof of funds is cash to close plus $27,500 of rehab reserve and $27,806 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Stamford
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Best Rate | 15% | 700+ | First flip OK | 8.99% to 9.49% | 0.5% | 70% of ARV | 12 months | 5-14 days |
| First Flip, 10% Down1 | 10% | 660+ | First flip OK | 9.99% | 2% | 75% of ARV | 12 months | 21-30 days |
| 7.5% Down, 3+ Flips2 | 7.5% | 660+ | 3+ completed flips | 9.99% | 1.5% | 75% of ARV | 12 months | 21-30 days |
| 5% Down, 3+ Flips3 | 5% | 600+ | 3+ completed flips | 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips4 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| 100% Financing, 2+ Flips5 | 0% (100% financing) | 620+ | 2+ completed flips | 9.50% to 12.00% | 2.5% | 70% of ARV | 9 months | 7-14 days |
- Rate 9.99% at 2 to 2.25 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. 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.
- Rate 9.99% at 1.5 to 1.75 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. 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.
- Rate from 12%, set per file. Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
- Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% and 2 to 3 points, set per file. Purchase plus rehab must fit under 70% of ARV.
Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
Where Stamford prices sit right now
Before we price a Stamford 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 Stamford median sale price at $762,000 over the three months through September 2026, down 4.7% from a year earlier, with homes selling in about 34 days, around three offers per home and 335 sales in September.
| Median sale price, Stamford (Redfin, 3 months to Sep 2026) | $762,000 |
| Days on market, Stamford (Redfin) | 34 |
| Average offers per home (Redfin) | 3 |
| Homes sold in September 2026 (Redfin) | 335 |
| Share of properties at severe 30-year flood risk (First Street via Redfin) | 14% |
Sources: Redfin, Stamford CT housing market
How a Stamford file actually gets priced
Stamford is a big city split into very different submarkets, so comps have to come from the right one. Shippan and North Stamford do not support a Springdale cape, and a West Side three family is valued partly on rent. We build the value from closed renovated sales of the same type and neighborhood, and for added bedrooms or baths we want permits finished before the appraisal, or the appraiser counts the old floor plan.
Water is Stamford’s real risk. Redfin’s First Street data puts about 14% of properties at severe 30 year flood risk, concentrated in Shippan, the Cove, Waterside and along the Rippowam and Noroton rivers, and the city’s hurricane barrier protects only part of the downtown waterfront. Get the flood zone and an insurance quote before you offer. North Stamford homes on well and septic need those systems inspected. Connecticut closings are run by attorneys, and the seller pays the state and local conveyance tax.
Who buys your finished Stamford deal
The finished Stamford home sells to New York commuters and local professionals, often moving from Manhattan, Westchester or a Stamford apartment, who want train access and a yard. They expect a clean modern kitchen, updated baths and central air. Two and three families on the West and East sides sell to owner occupants and investors, and Stamford’s rents make a DSCR refinance worth pricing on those.
Your whole loan, in one portal
Apply once and the whole Stamford 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.
What we fund in Stamford
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Stamford.
DSCR Rental
Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Stamford
We broker deals across the whole Stamford market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
We shop it
Your scenario goes to the lenders in our network that actually fit it and are licensed in Connecticut, not all 400 at once.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
5-14 days to fund. We stay on title and the lender through funding.
Stamford hard money FAQ
Do you lend hard money in Stamford?
Which fix and flip programs apply in Stamford?
How fast can a Stamford hard money loan close?
How much do I need to bring to close on a Stamford flip?
Do you fund the rehab budget in Stamford?
What credit score do I need for a Stamford fix and flip loan?
Can I refinance a Stamford flip into a rental loan?
Can a first time investor get a flip loan in Stamford?
How much does flood risk matter on a Stamford flip?
Before you sign anything
Ready to fund your Stamford deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.