New Hampshire DSCR Loan Calculator
Screen a New Hampshire rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for New Hampshire; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
New Hampshire DSCR assumptions
The calculator seeds New Hampshire with a starting property value of $400,000.00, starting rent of $1,500.00, annual property tax based on a 1.5% effective rate, and estimated annual insurance of $1,310.00.
STR note: No statewide restrictions. Lakes Region (Laconia, Meredith) and seacoast towns have local STR ordinances. Lakes Region STR regulations are actively developing. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Manchester/Hillsborough County (largest city, most affordable NH market, hybrid). Nashua/Hillsborough County (Boston commuter belt, strong demand). Concord/Merrimack County (state capital, stable). Portsmouth/Rockingham County (seacoast, premium appreciation market). Lakes Region (Belknap County — vacation rental market).
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