Connecticut DSCR Loan Calculator
Screen a Connecticut rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Connecticut; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Connecticut DSCR assumptions
The calculator seeds Connecticut with a starting property value of $390,000.00, starting rent of $1,450.00, annual property tax based on a 1.54% effective rate, and estimated annual insurance of $2,099.00.
STR note: No statewide restriction. Stamford, Greenwich, and coastal towns have varying ordinances. Shore town STR rules are evolving. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Hartford (state capital, most affordable prices, strong rental demand). Bridgeport/Fairfield County (commuter to NYC, high rents). New Haven (Yale University anchor, medical employment). Waterbury (lowest entry points, cash flow focused). Stamford (high-rent, appreciation market).
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