New Hampshire DSCR Loans for STR Financing

Grow Your Portfolio with DSCR Loans

Whether you're investing in STRs near the White Mountains, long-term rentals in Manchester, or lakefront properties in Portsmouth, our DSCR loans  give New Hampshire investors flexible, income-based financing. These loans are based on the property’s ability to cash flow—not your W-2s or tax returns. We evaluate whether the rental income can cover the loan obligations, making qualification easier. With steady demand in both vacation and year-round markets, New Hampshire offers strong potential for investors. DSCR loans help you act quickly, avoid red tape, and scale your real estate portfolio based on the performance of your property—not your personal financials.

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How to qualify

To obtain a quote, we will need the following information:

Property Value and

 Purchase Price


Down Payment

Amount


Credit Score



 Asset Types

  • Single Family Homes
  • Townhomes
  • Condos
  • 2 - 4 Units (Duplex, Triplex, Quadplex)
  • Multi-Family: 5 - 8 Units
  • Mixed-Use: 2 - 8 Units
  • Multi-Family: 9+ Unit



Loan Terms


  • Loan Sizes: $100k up to $3.5 Million (Larger loan sizes available on a case by case basis)
  • Purchase LTV: Up to 85%
  • Rate & Term Refinance LTV: Up to 80% 
  • Cash Out Refinance LTV: Up to 80%
  • Amortization: 30 Year % 40 Year Amortization Options Available
  • Term Lengths: 5/6 ARMs, 7/6 ARMs, 10 Year Interest Only, 30 Year Fixed & 40 Year Fixed
  • Floor Rate: 5.50% (subject to change daily due to market volatility)
  • Full Recourse with personal guarantee required for all borrowers with majority ownership (typically 20%+ or 25%+ if closing in an Entity)
  • DSCR Requirement: 1.00x or greater depending on loan size and property type. Sub-1.00x DSCR and NO DSCR options available.
  • Vesting: Lending to Individuals, LLCs, and Corporations. Trusts Allowable on a Case by Case Basis.
  • Average Time to Close: 14 to 35 days

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Frequently Asked Questions

What is a DSCR loan and how does it work for New Hampshire real estate investors?

A DSCR loan (Debt Service Coverage Ratio loan) lets investors qualify for real estate financing using rental income from the property instead of relying on personal income verification. The key factor is whether the asset can generate enough cash flow to cover the full loan payment. This approach is especially beneficial for investors with complex or non-traditional finances. In New Hampshire, where vacation homes in the White Mountains and rentals in cities like Manchester and Portsmouth are popular, DSCR loans make it easier to grow without unnecessary paperwork.

How is DSCR calculated in a typical loan scenario?

In New Hampshire, DSCR is calculated by dividing the net operating income (NOI) of a property by the total annual debt obligations. For example, if a New Hampshire rental property earns $84,000 and debt costs total $70,000, the DSCR would be 1.20. This indicates strong income coverage, which improves loan approval chances. Most New Hampshire lenders require a DSCR of at least 1.00, but higher ratios—especially for STRs in places like Portsmouth, Manchester, or the White Mountains—can unlock better rates and lower reserve requirements. Understanding DSCR in New Hampshire is critical for building a scalable, cash-flow-positive portfolio.

What is considered a good DSCR ratio for New Hampshire investors when applying for financing?

A DSCR of 1.20 or higher is typically considered strong in New Hampshire. Although lenders may approve loans at a 1.00 ratio, a higher DSCR gives you an edge—especially in competitive markets. A 1.20 DSCR in New Hampshire signals financial stability and improves your chances of securing favorable rates and terms. Whether you’re targeting properties in Manchester, Portsmouth, or the Lakes Region, understanding DSCR thresholds helps New Hampshire investors structure more appealing financing proposals and reduce lender hesitation.

Can I qualify for a DSCR loan if my personal income is limited?

Yes, you can qualify for a DSCR loan even if your personal income is limited. DSCR loans, often referred to as Airbnb loans when used for short-term rental properties, are designed to approve borrowers based on the income the property generates—not personal W-2s, tax returns, or debt-to-income ratios. Lenders calculate the property's debt service coverage ratio to determine if the income is sufficient to support the loan. As long as the DSCR meets the required threshold—usually 1.00 or higher—you can often be approved regardless of personal income. This makes Airbnb loans ideal for self-employed investors, business owners, or anyone scaling a rental portfolio without relying on traditional underwriting standards.

How does a lender evaluate rental income when approving a DSCR loan?

In New Hampshire, DSCR lenders evaluate the property’s income potential as the primary qualifying factor. New Hampshire borrowers are typically asked to provide lease agreements, vacation rental histories, or rent estimates from appraisals. The DSCR is calculated by dividing that income by the total annual debt service. If the DSCR is 1.00 or above, most New Hampshire lenders will consider the application—even if personal income is limited. DSCR loans in New Hampshire are excellent for real estate investors seeking flexibility. Understanding how rental income is evaluated in New Hampshire helps you structure deals that qualify on property performance alone.

What’s the minimum debt service coverage ratio required for approval?

In New Hampshire, most DSCR lenders require a minimum DSCR of 1.00 for approval. Some New Hampshire lenders may approve a loan with a 0.75 DSCR under favorable conditions, such as strong liquidity or asset strength. However, a DSCR of 1.20 or more is recommended to secure favorable terms and reduce underwriting delays. DSCR loans in New Hampshire are useful for investors targeting STRs in places like Portsmouth, Concord, or the Lakes Region. Understanding New Hampshire’s DSCR thresholds helps ensure the property meets lender benchmarks and supports a smooth financing process.

Who should consider using a DSCR instead of a traditional loan?

These loans are perfect for self-employed individuals, LLCs, and investors managing multiple properties. In New Hampshire, DSCR loans help borrowers qualify using income from the property rather than tax returns or W-2s. Whether investing in Manchester, Concord, or the Lakes Region, New Hampshire real estate investors benefit from simple underwriting and quick closings. DSCR financing in New Hampshire is built for speed and scalability.

Expanding your rental portfolio beyond New Hampshire? We also offer financing in Maine and Massachusetts , making it easy to scale across New England with the same asset-based approval process.