Investment Property Loans in Connecticut
Big banks see a rental property and start saying no. We see the deal. From DSCR loans that qualify on rental income to bridge financing that lets you move fast, AFC Mortgage Group gives Connecticut investors the financing tools to build real wealth — and a team that actually understands the numbers.
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What Are Investment Property Loans?
Investment property loans finance homes you'll rent out or resell rather than live in. They come in several flavors — conventional financing for straightforward rentals, DSCR loans that qualify based on the property's rental income instead of your tax returns, and bridge or fix-and-flip loans for investors who need speed and short-term capital.
The right structure depends on your strategy, your tax picture, and how fast you need to close. At AFC, we've financed everything from a first duplex to seasoned investors' portfolios — and because we lend in-house and across 17 states, we can move on deals that send big banks running.
Who Are Investment Loans Right For?
First-Time Investors
Buying your first rental? We'll walk you through your options and what lenders actually look for.
DSCR Borrowers
Qualify based on the property's rental income — no tax returns or personal DTI required.
Fix-and-Flip Investors
Short-term capital to buy, renovate, and resell — with draws as the work gets done.
Buy-and-Hold Landlords
Long-term financing for rentals you'll keep, structured to maximize cash flow.
Portfolio Builders
Scaling past a few doors? We structure financing across multiple properties.
Self-Employed Investors
Complex tax returns won't stop you — DSCR and bank-statement options qualify you on cash flow.
How Investment Property Loans Work at AFC
Tell us about the deal — about two minutes, no SSN required to start. A real Home Finance Advisor who understands investing will look at the property, your strategy, and the numbers, then match you to the right loan: conventional, DSCR, bridge, or fix-and-flip.
From there we handle it in-house through closing. No call-center handoffs, no underwriter who's never seen a rental — just a team that speaks investor and moves at the speed your deals require.
Key Benefits of Investing With AFC
Qualify on the Property
DSCR loans use rental income, not your personal tax returns, to qualify.
Move Fast
Bridge and fix-and-flip options close in days, not months — so you don't lose the deal.
Multiple Loan Types
Conventional, DSCR, bridge, and fix-and-flip — all under one roof.
Investor-Savvy Team
We understand cap rates, cash flow, and exit strategies — not just W-2s.
Scales With You
Finance one property or a growing portfolio across 17 states.
In-House Speed
Local processing and approval mean you close on time, every time.
Frequently Asked Questions
What is a DSCR loan?
A DSCR (Debt-Service Coverage Ratio) loan qualifies you based on whether the property's rental income covers its mortgage payment — not on your personal income or tax returns. It's the go-to for investors with complex finances or growing portfolios.
How much do I need to put down on an investment property?
It varies by loan type and property, but conventional investment loans typically start around 15–25% down, and DSCR loans usually want 20–25%. We'll give you the exact number for your deal.
Can I finance a fix-and-flip?
Yes. We offer fix-and-flip loans that fund a portion of the purchase plus the renovation, with draws as the work is completed. Ask about our dedicated fix-and-flip program.
Do you lend on multi-family or just single homes?
Both. We finance single-family rentals, 2–4 unit properties, and larger multi-family and commercial deals — ask us about your specific property.
Can I close in the name of an LLC?
Yes — DSCR and many investment loans let you close in the name of an LLC, which many investors prefer for liability and tax reasons. We'll guide the entity documentation.
Run Your Next Deal By Us
Start in about 2 minutes — no SSN, no hard credit pull. A real Home Finance Advisor who understands investing follows up with the right structure for your deal.