Connecticut Fix and Flip Loans: 15% Down, 100% Rehab | Capital Kings LLC
Capital Kings LLC · Broker, not a lender

Fix and Flip Loans
in Connecticut

Purchase plus 100% of the rehab budget for Connecticut flips, funded through draws, with a term sheet before you commit. First flips welcome from 700 credit, 5% down once you have 3 completed flips. We broker Hartford, New Haven, Bridgeport and every county in between.

By Micah FosterProgram terms verified September 2026
Get a term sheet →Call (281) 636-5682

Fix and Flip Loans in Connecticut at a glance

Current program terms, not teaser rates. Your exact terms depend on the property, your credit and your experience. The term sheet shows the real numbers before you commit.
8.99%
Rates from
15%
Down on a first flip (5% with experience)
100%
Rehab funded via draws
75% ARV
Max loan
12 mo
Interest-only term
14 days
Typical close
Programs and pricing

Connecticut fix and flip terms as of September 2026

Same numbers the term sheet prints after you apply. Capital Kings LLC shops your Connecticut scenario across 400+ lenders and places it with the one that fits. Read the full fix and flip guide for how the program works deal by deal.

Purchase plus 100% of the rehab budget, funded through draws. The program you land on depends on credit and how many flips you have completed.

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15%700+First flip OK8.99% to 9.49%0.5%75% of ARV12 months14 days
5% Down, 3+ Flips15%600+3+ completed flips11.00% to 12.00%2%75% of ARV12 months7-14 days
5% Down, 5+ Flips25%660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
  1. Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
  2. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.

First flip in Hartford, 700 credit

$250,000 purchase · $50,000 rehab · $375,000 ARV · Best Rate program
Loan amount
$262,500
Down payment (15%)
$37,500
Rate
9.49%
Origination
$2,000
Broker fee
$2,625
Estimated cash to close
$49,049
Interest per month while you rehab
$1,681

Estimates on Capital Kings terms as of September 2026. Cash to close includes down payment, origination, broker fee, title, prepaid interest, insurance and appraisal. Rehab is funded 100% through draws on every program.

Who it is for

Connecticut investors we fund with fix and flip loans

First flips welcome
No completed deals required. Credit and the deal set the program; experience just moves you to a lower rate.
Investors keeping cash for the rehab
100% of the rehab budget is funded on every program, so the money you bring goes to the purchase, not the renovation.
Wholesale and auction contracts
Deals in Connecticut with a hard closing date. 14 days is standard, and the fastest program on the table above closes in 72 hours.
LLC or personal name
Business-purpose loans, vested in your entity, on single family through small multifamily.

What we need from you

  • Purchase contract
  • Rehab budget or scope of work
  • Two months of bank statements showing the cash to close
  • Government ID
  • LLC documents if you are closing in an entity
How it works

From application to funding in Connecticut

  1. 1
    Send the deal
    Address, purchase price, rehab budget, ARV and your credit range. Three minutes on the application.
  2. 2
    Get a term sheet
    Loan amount, rate, origination, broker fee, every closing cost and your cash to close, before any commitment.
  3. 3
    We shop it
    The scenario goes to the lenders in our network that fund Connecticut flips at your credit and experience level.
  4. 4
    Close and draw
    Purchase funds at closing. Rehab money is released in draws as work is completed and inspected.
Where we lend

Connecticut, city by city

The Connecticut markets we fund most. Not on the map? We broker every county in the state, so send the deal and we place it.

Common Questions

Connecticut Lending FAQ

How much down payment do I need for a fix and flip loan in Connecticut?
As of September 2026 in Connecticut: 15% down from 700 credit at 8.99% to 9.49%. Investors with 3+ completed flips can go to 5% down at 600+ credit, 11.00% to 12.00%. Rehab is 100% funded through draws on every Connecticut program.
What credit score do I need for a Connecticut fix and flip loan?
700+ for the 15% down program, and 660+ for a DSCR rental loan. First flips are welcome in Connecticut; experience moves you to a lower rate, it is not a requirement.
How much cash do I need to close a $250,000 flip in Connecticut?
On a $250,000 purchase with a $50,000 rehab and a $375,000 ARV, a first flip at 700 credit on the Best Rate program is about $49,049 cash to close ($37,500 down plus origination, broker fee, title, prepaid interest, insurance and appraisal). Figures as of September 2026.
Does the loan cover the rehab budget?
Yes, 100% of the rehab budget on every Connecticut program. It is held back at closing and released in draws: you complete a stage, an inspector confirms it, the draw is wired. Budget for the first stage out of pocket.
How fast can a Connecticut fix and flip loan close?
Most Connecticut flips close in 7 to 14 days. Clean files with title and insurance ready can close in about a week.
Is Capital Kings a direct lender in Connecticut?
No. Capital Kings LLC is a mortgage broker. We shop your Connecticut scenario across a network of 400+ lenders and place it with the one that fits, and every fee is itemized on the term sheet before you commit.
More in Connecticut

Other Connecticut loan programs

DSCR Loans in Connecticut →New Construction Loans in Connecticut →All Connecticut programs →
Learn More

Connecticut Investor Resources

How the loans are structured, what lenders check, and how to compare offers on a Connecticut deal.

Broker
Direct hard money lender vs broker: the honest breakdown
Read article →
Draws
How construction draws and the rehab holdback actually work
Read article →
Loan Cost
Dutch vs standard interest: what it really costs you
Read article →
Term Sheet
How to get an instant hard money term sheet
Read article →
Adjacent Markets

Also lending in

New York →Massachusetts →Rhode Island →All 37 states →
Micah Foster
Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →

Ready to fund your Connecticut deal?

Submit your scenario in under 3 minutes. We shop our 400+ lender network and send back a term sheet on your actual deal.

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Capital Kings LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Connecticut are originated by partner lenders licensed to lend in Connecticut. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.