DSCR loan snapshot for New Hampshire
| Item | Estimate |
|---|---|
| Minimum down payment | 20%–25% |
| Minimum credit score | 660–700 |
| Typical NH home value | $367,200 |
| 3.5% down on typical home | $12,852 |
| 20% down on typical home | $73,440 |
| Avg. effective property tax | 1.77%/yr (~$542/mo) |
| Income for typical home (31% rule) | $126,000 |
Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.
Which New Hampshire programs pair with DSCR loans?
- Home Flex Plus: An FHA first mortgage with down payment assistance.
- Home Preferred Plus: A conventional first mortgage with reduced mortgage insurance and assistance.
Details and current limits: New Hampshire Housing.
How is DSCR calculated?
Lenders divide the property's market rent (from an appraiser's rent schedule or an existing lease) by the full monthly payment: principal, interest, taxes, insurance and any HOA dues. Example: $2,400 rent ÷ $2,000 payment = 1.20 DSCR.
Typical DSCR loan requirements
- Down payment: 20%–25% (sometimes 15% for strong files).
- Credit: 660–700 minimum.
- Reserves: commonly 3–12 months of payments.
- Property types: 1–4 unit homes, condos and townhomes; some lenders allow short-term rentals.
DSCR loans in New Hampshire cities
Frequently asked questions
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Get My MatchesFigures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.