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DSCR Rental Loans · New Hampshire

DSCR rental loans in New Hampshire — qualify on the rent.

Mortava DSCR loans in New Hampshire: 620+ FICO, up to 85% LTV, min DSCR 0.50, 30/40-yr fixed — statewide.

New Hampshire is no state income tax and tight inventory near the Boston commuter belt. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in Manchester, Nashua, Concord and beyond on the deal's cash flow.

No tax returns, W-2s, or DTI — qualify on the rent
Up to 85% LTV · 30 & 40-yr fixed & interest-only
Close in an LLC · soft inquiry only
Get a live New Hampshire term sheet
Soft inquiry only — won't affect your credit.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why investors finance New Hampshire rentals with Mortava

DSCR loans let New Hampshire investors scale without the income docs a bank requires. Because qualification is based on the property's rent rather than your personal income, there are no tax returns, no W-2s, and no DTI calculation — ideal for self-employed buyers, full-time investors, and anyone growing a portfolio across Manchester, Nashua, Concord.

New Hampshire’s no-income-tax posture pulls Massachusetts commuters — and their landlords — across the border, keeping Manchester and Nashua inventory tight. Investors here get tax efficiency plus Boston-belt appreciation.

Top metros we lend in
Manchester, Nashua, Concord
Max leverage
Up to 85% LTV purchase · 80% cash-out CLTV
Terms
30 & 40-year fixed and interest-only
Minimum FICO
620 (better leverage at 660+ / 740+)

The New Hampshire tax angle

Because New Hampshire has no state income tax, rental cash flow and sale gains avoid state-level tax for individual filers — a structural edge that compounds across a portfolio. For the details, read our states without capital gains tax guide, and confirm specifics with your tax advisor.

Guidelines reviewed July 2026 by the Mortava lending team.

New Hampshire DSCR loan FAQ

Can I get a DSCR loan in New Hampshire?
Yes. Mortava lends on investment properties across New Hampshire, including Manchester, Nashua, Concord. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in New Hampshire without W-2s or DTI.
What credit score do I need for a New Hampshire DSCR loan?
Most New Hampshire DSCR programs start at a 620 FICO. Stronger credit unlocks higher leverage (up to 85% LTV) and better pricing, since loans are priced by FICO band.
Can I close a New Hampshire DSCR loan in an LLC?
Yes. These are business-purpose loans, so you can vest title in an LLC or corporation — common for asset protection and portfolio growth in New Hampshire.
Does New Hampshire tax the rental income on my investment property?
No — New Hampshire has no state income tax, so rental cash flow and sale gains are taxed at the federal level only for individual filers. Entity structure and residency can change the picture, so confirm specifics with your tax advisor.
Do you lend on rentals in Manchester and Nashua?
Yes — Mortava lends across Manchester, Nashua, Concord and every other New Hampshire market. DSCR loans are sized on each property's rent, so a Manchester duplex and a small-town single-family are underwritten the same way.
DSCR rental loans by state
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All DSCR programs → Fix & Flip loans in New Hampshire → Instant quote & pre-qualify →
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