New Hampshire DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 6.25%
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
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- 680+ FICO
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- Refi from 6.25%
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- 21–30 day close
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, 680+ FICO, and 20–25% down. No tax returns, W-2s, or DTI calculation required. 1–4 unit residential and 5+ unit multifamily eligible. Refi rates start at 6.25%.
Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated May 2026.
New Hampshire Rental Market Snapshot
State-level data DSCR underwriters use to size New Hampshire rental deals.
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 Fund
Active DSCR deal flow across New Hampshire's core rental markets. Same requirements — 1.2 DSCR, 680+ FICO, 20–25% down — apply statewide.
| Metro | Median Price | Gross Yield | DSCR Investor Notes |
|---|---|---|---|
| Manchester | $425K | 5.5–7.0% | Largest NH market — manufacturing/healthcare employment, growing in-migration |
| Nashua | $495K | 5.0–6.0% | MA-border commuter premium, family LTR demand |
| Concord | $365K | 5.5–7.0% | State capital + medical employment, mid-cap-rate market |
New Hampshire Eviction Timeline & Landlord Posture
How New Hampshire courts handle non-payment evictions — material to DSCR loss-severity assumptions.
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
No state income tax and rapid eviction keep loss severity in line; Lakes Region STR pricing additional seasonal-volatility load.
Final pricing depends on FICO, LTV, DSCR, property type, and program. Baseline national DSCR refi rates start at 6.25% as of May 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
- Velocity Mortgage Capital
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
| Requirement | Minimum | Notes |
|---|---|---|
| DSCR | 1.20 | 1.00+ allowed with 740 FICO or 30% down |
| Credit Score | 680 FICO | 640–679 by exception, lower LTV |
| Down Payment | 20–25% | 25% if <1.2 DSCR or <700 FICO |
| Property Type | 1–4 units or multifamily | Condos, townhomes, STRs OK where legal |
| Income Docs | None | No tax returns, W-2s, DTI check |
| Reserves | 6 months PITIA | Checking, savings, stocks qualify |
| Close Time | 21–30 days | Cash-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.
Get New Hampshire DSCR Loan Terms
DSCR Rental — Response within 4 business hours. No obligation.
Related DSCR Resources
- DSCR Loans Hub — Programs & Rates
- DSCR Rental Loans — Full Program Guide
- DSCR for Airbnb / Short-Term Rentals
- DSCR Cash-Out Refinance
- DSCR Jumbo Loans ($1M+)
- DSCR for LLCs / Entity Title
- Best DSCR Lenders 2026
- DSCR Loans — Complete Guide
- DSCR Calculator — Test Your Property
- Fix & Flip Loans — Bridge to DSCR Exit
- Bridge Loans — Short-Term Rental Acquisition
- DSCR vs Conventional Mortgage