Insight For Connecticut investors
Connecticut has its own way of doing a real estate deal — who conducts the closing, what a refinance is written against, what the town takes on the way out. These are the things we explain on the phone every week, written down.
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Rental loans
Three leases, three security deposits, and three sets of tenant rights that pass to you with the deed. A two- to four-family is underwritten one unit at a time.
Read the articleThe archive
Written for people who borrow and lend against Connecticut property. No rate quotes, no sales pitch — just how the mechanics work, so you can compare lenders on something other than a headline number.
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Rental loans
Three leases, three security deposits, and three sets of tenant rights that pass to you with the deed. A two- to four-family is underwritten one unit at a time.
Read the articleFix & flip
No financing contingency, a deposit by bank check, and 30 days to close once the court approves. The loan has to be ready before you register to bid.
Read the articleRental loans
Rent has to cover taxes as well as the loan, and Connecticut sets that tax line town by town. Same building, same rent, different ratio across a town line.
Read the articleClosing process
Connecticut law puts a licensed attorney at the centre of every mortgage closing. Here is what that actually changes when you are buying on a deadline.
Read the articleRefinancing
Seasoning is not a waiting period. It is the rule that decides whether your lender writes the loan against what you paid or what the property is now worth.
Read the articleEntities & title
Most lenders will happily close in your entity. The delay is almost never the answer — it is the paperwork nobody asked for until the week of closing.
Read the articleConnecticut
The tax comes off the sale side, before your payoff, and one of its tiers is set town by town. Underwrite the exit with it in the model, not after.
Read the articleNote investing
Connecticut is one of the few states where a court can pass title to a lienholder without ever holding a sale. For a note investor that changes the whole remedy.
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