Lenders made 4,778 loans on investment properties across the Connecticut counties in our data in 2024, 2,852 of them purchases, plus 725 loans on second homes. This page covers the Connecticut rules investors ask about, every loan type by state and city pages for 43 cities and towns.
Buying or refinancing a rental in Connecticut?
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Connecticut rules and records for investors
- Mortgage licensing: Connecticut Department of Banking, Consumer Credit Division
- Landlord-tenant law: Connecticut General Statutes Title 47a, Chapter 830. The Judicial Branch law library page collects Connecticut's landlord-tenant statutes (Title 47a) along with court forms and guides for evictions, repairs and security deposits.
- Short-term rental tax registration: Room Occupancy Tax. Short-term rentals of all or part of a home are subject to Connecticut room occupancy tax. Qualifying short-term rental facilitators (home-sharing sites) must register and collect it; an owner who rents only through such a facilitator need not register, but an owner who also rents directly must register and collect tax on those direct bookings.
- LLC and business entity filings: Business.CT.gov.
- Transfer taxes: Real Estate Conveyance Tax. Has a state and a municipal portion; the grantor (seller) or the grantor's attorney or agent files Form OP-236, and the return and payment are due when the deed is recorded, unless an exemption applies.
- Contractor licensing: Home Improvement Contractor. Home improvement contractors must hold an active DCP registration, and the HIC number should appear on the contract; homeowners can check it on eLicense (elicense.ct.gov). Guaranty Fund eligibility depends on the contractor being registered.
- Foreclosure process: judicial. Connecticut forecloses through court actions in Superior Court, usually by strict foreclosure (title passes to the lender if no one redeems), with foreclosure by sale also available.
- Recording taxes and fees: State real estate conveyance tax and municipal real estate conveyance tax on deeds, reported on Form OP-236 (Connecticut Real Estate Conveyance Tax Return), which is accepted by the town clerk and can be filed and paid online through e-REC. No separate state mortgage recording tax was identified.
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Prefer to talk first? Call (888) 865-8230. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
Investor loans in Connecticut
- DSCR Loans in Connecticut
- DSCR Loan Requirements in Connecticut
- DSCR Loan Down Payment in Connecticut
- Airbnb & Short-Term Rental Loans in Connecticut
- Hard Money Lenders in Connecticut
- Hard Money Loans for a Primary Residence in Connecticut
- Fix and Flip Loans in Connecticut
- Bridge Loans for Investors in Connecticut
- Portfolio Loans in Connecticut
- Blanket Mortgages in Connecticut
- Investment Property Loans in Connecticut
- HELOCs & Home Equity Loans on Rental Property in Connecticut
- Cash-Out Refinance on Investment Property in Connecticut
- Second Home Mortgages in Connecticut
- Interest-Only Investor Loans in Connecticut
- Private Money Lenders in Connecticut
Larger Connecticut cities
- Bridgeport · hard money
- Hartford · hard money
- New Haven · hard money
- Norwich · hard money
- Waterbury · hard money
- Danbury · hard money
- Stamford · hard money
- Norwalk · hard money
- New Britain · hard money
- Bristol · hard money
- Meriden · hard money
- West Haven · hard money
- Milford · hard money
- Milford city · hard money
- Middletown · hard money
- Shelton · hard money
- Torrington · hard money
- Naugatuck · hard money
- New London · hard money
- Ansonia · hard money
- Wallingford Center · hard money
- Willimantic · hard money
- Storrs · hard money
- Derby · hard money
- Conning Towers Nautilus Park · hard money
- Jewett City · hard money
- Oakville · hard money
- Thompsonville · hard money
- Riverside · hard money
- Kensington · hard money
- Glastonbury Center · hard money
- Southwood Acres · hard money
- Winsted · hard money
- Rockville · hard money
- Cos Cob · hard money
- Old Greenwich · hard money
- Branford Center · hard money
- Simsbury Center · hard money
- Cheshire Village · hard money
- Sherwood Manor · hard money
- https://portal.ct.gov/DOB/Consumer-Credit-Licensing-Info/Consumer-Credit-Licensing-Information/Mortgage-Lender-Licensing-Information
- https://portal.ct.gov/DOB/Consumer-Credit-Licenses/Consumer-Credit-Licenses/Mortgage-Loan-Originators-Licensed-in-Connecticut
- https://portal.ct.gov/DOB/Consumer-Credit-Licensing-Info/Consumer-Credit-Licensing-Information/Mortgage-Broker-Licensing-Information
- https://www.chfa.org/homebuyers/all-homebuyer-mortgage-programs
- https://www.jud.ct.gov/lawlib/law/landlord.htm
- https://portal.ct.gov/dob/rental-security-deposits/rental-security-deposits/rental-security-deposits
- https://portal.ct.gov/drs/taxes/room-occupancy/tax-information
- https://portal.ct.gov/-/media/DRS/Publications/pubssn/2019/SN-2019(9).pdf?la=en
- https://business.ct.gov/
- https://portal.ct.gov/drs/individuals/individual-income-tax-portal/real-estate-conveyance-taxes/tax-information
- 2024 HMDA data (occupancy type)