DSCR Financing in NH
DSCR Loans in New Hampshire
Manchester multifamily cash flow, Portsmouth seacoast appreciation, and White Mountains ski STR, New Hampshire packs four strategies into a small state with no income tax.
Local Market Context
Investor Markets in New Hampshire
Manchester
The state's largest city with affordable SFR and small multifamily inventory.
Nashua
Boston-commuter SFRs with stronger appreciation and tight supply.
Portsmouth
Seacoast appreciation play with tourism and coastal STR demand.
North Conway / White Mountains
Mountain STR corridor with ski and fall-foliage occupancy.
Common Properties
What Investors Finance in New Hampshire
- ✓Manchester and Nashua 2-4 unit small multifamily
- ✓Portsmouth coastal SFRs
- ✓White Mountains ski-corridor STRs
- ✓Student housing near UNH Durham
Property Types
DSCR Property Eligibility
Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.
Refinance optionsPurchase optionsProgram Paths
Current DSCR Options in New Hampshire
Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.
Program 3
Completed Rehab
A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.
Program 1
Small Balance
Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.
Program 7
Low / No FICO, No Minimum DSCR
Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.
80% cash-out can be available in New Hampshire. Program 3 can reach up to 80% cash-out LTV at 680+ FICO in this state, subject to DSCR, property type, value, loan size, and other overlays.
New Hampshire DSCR FAQ
Does Get Brick Capital offer DSCR loans in New Hampshire?
Yes. New Hampshire is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.
Is Program 7 available in New Hampshire?
Yes. Program 7 can be available in New Hampshire for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.
Do I need W-2s or personal tax returns?
DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.
Can I close the loan in an LLC?
Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.
See Your New Hampshire DSCR Options
No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.