Hard Money Lenders in Stamford, CT | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard 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.

Get a term sheet →Price a Stamford deal

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO, October 2026

Price a Stamford deal right now

Prefilled with a realistic Stamford deal. Change any number and it reprices on the programs that lend in Connecticut, with the same math as our term sheets.

Sizing your flip on the same terms as the term sheet. Get a real term sheet →

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, 700 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.

Loan amount$586,000
Cash to close$108,351
Proof of funds to show$163,657
Where the $108,351 goes
  • 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$1,856
  • 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.

Fix and flip programs in Stamford

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15% of purchase700+First flip OK8.99% to 9.49%0.5%70% of ARV12 months5-14 days
First Flip, 10% Down110% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips27.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips35% of purchase660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips40% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
  1. Rate 9.99% with 2% to 2.25% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. 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.
  2. Rate 9.99% with 1.5% to 1.75% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. 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.
  3. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  4. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% with 2% to 3% origination, set per file. Purchase plus rehab must fit under 70% of ARV.

Origination has a $2,000 minimum on most programs (a few lenders set a higher one, noted above) and our broker fee is 1% with a $2,000 minimum and a $10,000 maximum. These are the numbers our term sheets use 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.

What happens after you apply

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.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.

The full walkthrough is on how it works, and you can tour the borrower portal before you apply.

What we fund in Stamford

Fix and flip

10%down on a first flip
Rates
from 8.99% at 760+ credit
With experience
0% down with 2+ completed flips, purchase plus rehab under 70% of ARV
Rehab
100% funded, paid in draws
Fix and flip loans in Connecticut →

Rental (DSCR)

7.00%rates from, 30-year fixed
Qualify on
the rent, no W-2s or tax returns
Down
from 20% at 700+ credit
Good for
buy-and-hold, and the refinance when a flip becomes a rental
DSCR loans in Connecticut →

New construction

95%of cost with a financed interest reserve, after 1 completed build
Rates
from 8.49% with 5+ completed builds
First build
85% of cost with a GC who has 5+ builds
Builds
single family to small multifamily
New construction loans in Connecticut →

Where we lend in Stamford

We broker deals across the whole Stamford market. The submarkets investors ask us about most are Springdale (06907), Glenbrook (06906), Belltown and Ridgeway (06905), West Side and Waterside (06902), Cove and East Side (06902), Shippan (06902) and Turn of River and North Stamford (06903 / 06905).

How long does a Stamford loan take to fund?

You send the address, purchase price, rehab budget and your ARV, which takes about five minutes and no credit pull. We take it to the lenders in our network that fit it and are licensed in Connecticut, and the rate, origination, leverage and cash to close come back side by side. 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?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Stamford scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in Connecticut, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Stamford?
As of October 2026: Best Rate (15% down, from 8.99%); First Flip, 10% Down (10% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 100% Financing, 2+ Flips (100% financing when purchase plus rehab fits under 70% of ARV, from 9.50%, 2+ completed flips). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can a Stamford hard money loan close?
Most Stamford fix and flip files fund in 5-14 days once the file is complete. The First Flip, 10% Down program and the 7.5% Down, 3+ Flips program close in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on a Stamford flip?
The worked example on this page is a $560,000 Stamford purchase with a $110,000 rehab and a $940,000 after repair value at 700 credit, first flip: $84,000 down (15% of the purchase) and $108,351 total cash to close, with $163,657 of proof of funds to show the lender. The lowest down payment for a first flip in Stamford is 10% down from 9.99% at 660+ credit. Investors with a track record can go to 0% down (100% financing) from 9.50% at 620+ credit with 2+ completed flips, when purchase plus rehab fits under 70% of ARV, and you still bring the closing costs in cash. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Stamford?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for a Stamford fix and flip loan?
The lowest credit floor among the Stamford programs is 620, on 100% financing (under 70% of ARV) with 2+ completed flips. A first flip needs 660 or higher. The lowest rate here, 8.99%, needs 760+ credit. Depending on the program, rates step down at 760 credit and origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance a Stamford flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Stamford flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
Can a first time investor get a flip loan in Stamford?
Yes. In Connecticut a first flip can be priced at 15% down with 700+ credit (from 8.99%) or 10% down with 660+ credit (from 9.99%). The worked example is priced as a first deal at a Stamford price point. Programs that need completed flips: 7.5% down from 9.99% with 3+ flips; 5% down from 9.99% with 5+ flips; and 100% financing from 9.50% with 2+ flips when purchase plus rehab fits under 70% of ARV.
How much does flood risk matter on a Stamford flip?
A lot, depending on the street. Redfin’s First Street data puts about 14% of Stamford properties at severe 30 year flood risk, mostly near the shore and the rivers. A house in a flood zone carries higher insurance for the next buyer, which can shrink your buyer pool, so we look at the zone and the premium before we size the loan.
Micah Foster
Micah Foster
Founder & CEO, Capital Kings LLC
Micah brokers Non-QM and hard money loans for real estate investors across 38 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.

What to read before you sign a term sheet

Hard money near Stamford: Bridgeport, Yonkers, New Haven and New York City. More Connecticut city guides: Hartford and Waterbury. Or see everything we fund in Connecticut.

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