NEW HAMPSHIRE (NH) WHOLESALE UNDERWRITING DESK · 2 MAJOR CITIES (50,000+ POP)

New Hampshire DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans

New Hampshire (NH) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in New Hampshire utilize Non-Judicial (Statutory Power of Sale) security instruments, with an average non-homestead effective property tax rate of 1.93%, a median 1–4 unit investment home price of $455,000 (median rent $3,250/mo), and 5+ unit multifamily market rents averaging $1,850/door. Arranged by Loan Daddy LLC (NMLS #2827624).

SECURITY INSTRUMENT

Non-Judicial (Statutory Power of Sale)

EFFECTIVE PROPERTY TAX

1.93% Avg ($732/mo)

MEDIAN 1–4 UNIT PRICE & RENT

$455,000 · $3,250/mo

5+ UNIT MULTIFAMILY RENT

$1,850/door/mo

New Hampshire Pre-Populated Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $455,000·Loan/Door: $341,250·Avg Rent/Door: $3,250/mo

Property Value / Purchase Price$455,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$3,250/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 106 bps · 7500 bps LTV · 6625 bps Rate

1.06x

1.00x Breakeven DSCR Eligible (1–4 Units)

Loan Amount (75% LTV)$341,25034,125,000 _cents

Monthly P&I Debt Service$2,185/mo@ 6.625% Note Rate

Total Monthly PITIA$3,076/moTax: $732 · Ins: $159

Net Monthly Cash Flow+$174/mo$2,086/yr net

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$3,076/mo	1.06x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$3,133/mo	1.04x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$2,882/mo	1.13x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender.

New Hampshire Cities with Population ≥ 50,000 (2 Markets)

Click any New Hampshire city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:

City (NH)	County	2026 Est. Pop	Effective Tax Rate	Median 1–4 Unit Price	Median Monthly Rent	5+ Unit Rent/Door
Manchester, NH →	HILLSBOROUGH County County	120,312	1.89%	$430,000	$3,100/mo	$1,750/door
Nashua, NH →	HILLSBOROUGH County County	94,979	2.01%	$475,000	$3,350/mo	$1,900/door

All 10 Loan Programs & 6 Unit Tiers in New Hampshire

DSCR Loans in NH →Hard Money Loans in NH →Private Money Loans in NH →Fix & Flip Loans in NH →Bridge Loans in NH →Ground-Up Construction in NH →Multifamily (5+ Units) in NH →Commercial Property in NH →Rehab & BRRRR Loans in NH →Cash-Out Refinance in NH →

1–4 Units (1–4 Units)5–8 Units (5–8 Units)5–9 Units (5–9 Units)5–10 Units (5–10 Units)5–25 Units (5–25 Units)5+ Units & Portfolios (5+ Units & Portfolios)