DSCR Loans in Carroll County, New Hampshire
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 77 lenders made 135 investment-property loans in Carroll County, 8.9% of New Hampshire's total. Dominick Prevete arranges DSCR loans across Carroll County, New Hampshire, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $320,000.
Carroll County investor market at a glance
| Statistic | Carroll County | New Hampshire | County rank |
|---|---|---|---|
| Investor loans | 135 | 1,514 | 5th of 7 |
| Reporting lenders | 77 | 229 | 3rd of 7 |
| Loan volume | $58.5M | $566.5M | 3rd of 7 |
| Average loan | $434K | $374K | 3rd of 7 |
| Median loan | $375K | $335K | 2nd of 7 |
| Purchases | 74.1% | 63.1% | 1st of 7 |
| Cash-out refinances | 11.9% | 20.3% | 7th of 7 |
| 2–4 unit properties | 9.6% | 36.5% | 7th of 7 |
| Top five lenders' share | 21.5% | 19.7% | 6th of 7 |
| Reported business-purpose | 70.4% | 69.4% | 3rd of 7 |
Carroll County: closed-end loans on 1–4 unit investment properties. Carroll County's rank is highest first, among New Hampshire's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Carroll County's investor loans.
What stands out in Carroll County
74.1% of Carroll County's investor loans were purchases, the highest share of New Hampshire's 7 counties with published data (statewide: 63.1%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
11.9% of Carroll County's investor loans were cash-out refinances, the lowest share of New Hampshire's 7 counties with published data (statewide: 20.3%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
9.6% of Carroll County's investor loans financed a 2–4 unit property, the lowest share of New Hampshire's 7 counties with published data (statewide: 36.5%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Carroll County?
At HUD's fair market rent of $2,168 for a 3-bedroom in Carroll County, New Hampshire, a rental covers its full DSCR payment up to a purchase price of about $320,000, with 20% down at the 7.25% starting rate (November 2026). Carroll County's median home value is $388,900; at that price the payment is $2,605 a month, so the property would need $2,625 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,566 / $2,168 / $2,551 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $388,900 |
| Median property taxes and effective rate | $3,848 (0.99% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,605 |
| Rent needed to cover that payment | $2,625 |
| Coverage of a 3-bedroom at fair market rent | 0.83 |
| Highest price a 3-bedroom at fair market rent covers | about $320,000 |
| HUD area | Carroll County, NH |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Carroll County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Carroll County?
The most active investment-property lenders in Carroll County in 2025 HMDA data were GUARANTEED RATE, INC.; CROSSCOUNTRY MORTGAGE, INC.; and CMG MORTGAGE, INC., out of 77 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Carroll County, and matches each file to the one most likely to fund it.
Carroll County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 135 loans and $58.5M from 77 lenders. GUARANTEED RATE, INC. led Carroll County with 6 loans, 4.4% of the county's total, and the average Carroll County loan of $434K compares with $374K across New Hampshire.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| GUARANTEED RATE, INC. | 6 | $2.8M | $473K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | $2.6M | $432K | 83.3% |
| CMG MORTGAGE, INC. | 6 | $2.5M | $417K | 83.3% |
| MOVEMENT MORTGAGE, LLC | 6 | $2.0M | $332K | 66.7% |
| Meredith Village Savings Bank | 5 | $1.4M | $287K | 80.0% |
| Rocket Mortgage, LLC | 4 | $3.0M | $743K | 50.0% |
| GUILD MORTGAGE COMPANY | 4 | $1.4M | $360K | 100.0% |
| Loandepot.Com, LLC | 4 | $1.2M | $310K | 100.0% |
| Bangor Savings Bank | 3 | $2.7M | $908K | 66.7% |
| NEWREZ LLC | 3 | $1.4M | $452K | 66.7% |
| TOTAL MORTGAGE SERVICES, LLC | 3 | $1.2M | $412K | 33.3% |
| Luminate Bank | 3 | $1.2M | $388K | 100.0% |
| LENDSURE MORTGAGE CORP. | 3 | $1.1M | $352K | 66.7% |
| Leader Bank, National Association | 3 | $0.8M | $258K | 100.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 2 | $1.2M | $595K | 50.0% |
| Workers Federal Credit Union | 2 | $1.1M | $545K | 50.0% |
| A&D Mortgage LLC | 2 | $1.0M | $505K | 50.0% |
| Fairway Independent Mortgage Corporation | 2 | $1.0M | $500K | 100.0% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 2 | $0.9M | $475K | 100.0% |
| United Wholesale Mortgage | 2 | $0.9M | $445K | 50.0% |
| RADIUS FINANCIAL GROUP INC. | 2 | $0.9M | $430K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | $0.8M | $400K | 50.0% |
| Citizens Bank, National Association | 2 | $0.8M | $375K | 100.0% |
| NexBank | 2 | $0.7M | $345K | 100.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | $0.6M | $320K | 100.0% |
15 New Hampshire loans (1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Carroll County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Carroll County CSV, all 25 lenders
What Carroll County's table can't show you: fit. Short-term financing is exempt from HMDA, so Carroll County's fix-and-flip and bridge lenders barely appear among its 77 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Carroll County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Carroll County |
|---|---|---|---|
| Grafton County, NH | 132 | 71 | Borders Carroll County |
| Oxford County, ME | 102 | 45 | Borders Carroll County |
| Belknap County, NH | 109 | 61 | Borders Carroll County |
| Strafford County, NH | 138 | 62 | Borders Carroll County |
| York County, ME | 358 | 98 | Borders Carroll County |
| Cumberland County, ME | 343 | 93 | About 45 miles away |
| Androscoggin County, ME | 107 | 44 | About 55 miles away |
| Kennebec County, ME | 192 | 53 | About 80 miles away |
| Chittenden County, VT | 190 | 37 | About 100 miles away |
Run the coverage test on your Carroll County, New Hampshire deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Carroll County, New Hampshire property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Carroll County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 77 lenders and 135 loans: 2025 HMDA loan-level data rolled up to Carroll County.
- Carroll County investor-lender dataset (CSV) — All 25 lenders in the Carroll County, New Hampshire table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Carroll County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Carroll County, NH.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Carroll County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.