DSCR Lenders in New Hampshire
1 verified DSCR lender serving New Hampshire real estate investors. Compare rates, loan programs, and close times — no tax returns required.
DSCR Loans in New Hampshire — FAQ
What is a DSCR loan and how does it work in New Hampshire?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on rental income rather than your personal income. Lenders in New Hampshire typically require a DSCR of 1.0 or higher, meaning the property's monthly rent covers the mortgage payment. No tax returns or W-2s required.
What credit score do I need for a DSCR loan in New Hampshire?
Most New Hampshire DSCR lenders require a minimum 660-680 FICO score, though some offer programs down to 620. Higher scores unlock better rates and lower down payments.
What is the minimum down payment for a DSCR loan in New Hampshire?
Typical DSCR loans in New Hampshire require 20-25% down for single-family rentals. Multifamily (2-4 units) may require 25-30%. Some programs allow as little as 15% with strong DSCR ratios.
How fast can DSCR lenders close in New Hampshire?
Most DSCR lenders on this directory offer closings in 14-21 business days. Hard money and bridge lenders can often close in 7-10 days. Compare timelines by viewing individual lender profiles.
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