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✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates

New Hampshire DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 5.80%

Rental property financing for New Hampshire investors qualified on property cash flow, not personal income, W-2s, or tax returns. Serving Manchester, Nashua, Concord and the rest of New Hampshire. If the property cash-flows at 1.2× the mortgage, you may qualify.

  • 1.2 DSCR minimum
  • Credit is lender underwriting
  • Best-tier from 5.80%
  • 21–30 day close

Indicative as of August 1, 2026. Not a quote. Lenders set final pricing at underwriting.

See If You QualifyCalculate Your DSCR

Can I get a DSCR rental loan in New Hampshire?

Yes. DSCR loans in New Hampshire qualify investors based on property cash flow with a 1.2 DSCR minimum. Credit and equity injection are lender underwriting. PeerSense does not set a FICO floor. No tax returns, W-2s, or DTI calculation required. 1–4 unit residential and 5+ unit multifamily eligible. Governed best-tier floor 5.80% from rate-floors.json.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated August 1, 2026.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

New Hampshire Rental Market Snapshot

State-level data DSCR underwriters use to size New Hampshire rental deals.

Median Home Price
$445K
Statewide single-family
Gross Rental Yield
5.0–7.0%
Annual rent / price
Eviction Timeline
30–45 days
landlord-friendly
Rate Adjustment
neutral
vs national baseline

New Hampshire's DSCR market is anchored by southern NH (Manchester, Nashua, Salem) commuter demand and lakes/mountain STR (Wolfeboro, North Conway, Lincoln). No state income tax draws investors from MA and NY. Manchester's manufacturing/healthcare employment produces stable LTR demand with growing in-migration.

Major New Hampshire Markets We Serve

Active DSCR deal flow across New Hampshire's core rental markets. Same DSCR math statewide. Credit and equity injection are lender underwriting.

MetroMedian PriceGross YieldDSCR Investor Notes
Manchester$425K5.5–7.0%Largest NH market, manufacturing/healthcare employment, growing in-migration
Nashua$495K5.0–6.0%MA-border commuter premium, family LTR demand
Concord$365K5.5–7.0%State capital + medical employment, mid-cap-rate market
New Hampshire investor note:New Hampshire has no statewide rent control and no state income tax. Lakes Region and White Mountains STR markets produce strong seasonal DSCR.

New Hampshire Eviction Timeline & Landlord Posture

How New Hampshire courts handle non-payment evictions, material to DSCR loss-severity assumptions.

Posture
landlord-friendly
Typical Timeline
30–45 days
Rent Control
None / preempted

New Hampshire RSA 540 allows a 7-day demand for non-payment. District court possessory actions typically resolve within 3–5 weeks of filing.

New Hampshire Rate Adjustment vs National Baseline

neutralover national baseline pricing

No state income tax and rapid eviction keep loss severity in line; Lakes Region STR pricing additional seasonal-volatility load.

Final pricing depends on DSCR, LTV, property type, and program. Credit is lender underwriting. Governed best-tier floor 5.80% from rate-floors.json as of August 1, 2026.

DSCR Lenders Active in New Hampshire

The non-bank DSCR programs we see most frequently funding New Hampshire rental deals. PeerSense matches your scenario across this lender set rather than locking you into one.

  • Visio Lending
  • Lima One
  • Kiavi

PeerSense is independent, not a lender. Lenders listed are programs we have funded New Hampshire deals through; specific terms vary by file.

New Hampshire DSCR Loan Requirements

RequirementMinimumNotes
DSCR1.201.00+ exists on specialty programs. Credit and equity are lender underwriting.
CreditLender underwritingPeerSense does not set a FICO floor. Capture the score on the form.
EquityLender underwritingPurchase DSCR is commonly structured around 65 to 75% LTV. PeerSense does not set a typical down.
Property Type1–4 units or multifamilyCondos, townhomes, STRs OK where legal
Income DocsNoneNo tax returns, W-2s, DTI check
Reserves6 months PITIAChecking, savings, stocks qualify
Close Time21–30 daysCash-out refi: 14–21 days

Not a commitment to lend. Rates and terms subject to underwriting. See our full DSCR loan guide for the complete program.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

Get New Hampshire DSCR Loan Terms

DSCR Rental: Response within 24–48 hours. No obligation.

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Related DSCR Resources