DSCR Loans in Hillsborough 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, 117 lenders made 473 investment-property loans in Hillsborough County, 31.2% of New Hampshire's total. Dominick Prevete arranges DSCR loans across Hillsborough 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 $395,000.
Hillsborough County investor market at a glance
| Statistic | Hillsborough County | New Hampshire | County rank |
|---|---|---|---|
| Investor loans | 473 | 1,514 | 1st of 7 |
| Reporting lenders | 117 | 229 | 1st of 7 |
| Loan volume | $172.0M | $566.5M | 1st of 7 |
| Average loan | $364K | $374K | 5th of 7 |
| Median loan | $345K | $335K | 4th of 7 |
| Purchases | 57.9% | 63.1% | 7th of 7 |
| Cash-out refinances | 23.3% | 20.3% | 1st of 7 |
| 2–4 unit properties | 50.7% | 36.5% | 2nd of 7 |
| Top five lenders' share | 23.9% | 19.7% | 5th of 7 |
| Reported business-purpose | 69.3% | 69.4% | 4th of 7 |
Hillsborough County: closed-end loans on 1–4 unit investment properties. Hillsborough County's rank is highest first, among New Hampshire's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Hillsborough County's investor loans.
What stands out in Hillsborough County
57.9% of Hillsborough County's investor loans were purchases, the lowest share of New Hampshire's 7 counties with published data (statewide: 63.1%).
Refinances are a larger share here than in most of New Hampshire. A DSCR refinance qualifies on the property's current rent.
23.3% of Hillsborough County's investor loans were cash-out refinances, the highest share of New Hampshire's 7 counties with published data (statewide: 20.3%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Hillsborough County?
At HUD's fair market rent of $2,899 for a 3-bedroom in Hillsborough County, New Hampshire, a rental covers its full DSCR payment up to a purchase price of about $395,000, with 20% down at the 7.25% starting rate (November 2026). Hillsborough County's median home value is $421,100; at that price the payment is $3,057 a month, so the property would need $3,075 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) | $2,239 / $2,899 / $3,170 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $421,100 |
| Median property taxes and effective rate | $6,999 (1.66% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,057 |
| Rent needed to cover that payment | $3,075 |
| Coverage of a 3-bedroom at fair market rent | 0.95 |
| Highest price a 3-bedroom at fair market rent covers | about $395,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $615,000 |
| HUD area | Nashua, NH HUD Metro FMR Area |
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 Hillsborough County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Hillsborough County?
The most active investment-property lenders in Hillsborough County in 2025 HMDA data were United Wholesale Mortgage; CMG MORTGAGE, INC.; and RF RENOVO MANAGEMENT COMPANY, LLC, out of 117 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 two that reported in Hillsborough County, and matches each file to the one most likely to fund it.
Hillsborough County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 473 loans and $172.0M from 117 lenders. United Wholesale Mortgage led Hillsborough County with 30 loans, 6.3% of the county's total, and the average Hillsborough County loan of $364K compares with $374K across New Hampshire.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 30 | $11.1M | $369K | 46.7% |
| CMG MORTGAGE, INC. | 30 | $9.0M | $301K | 46.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 20 | $7.4M | $369K | 95.0% |
| PENNYMAC LOAN SERVICES, LLC | 17 | $6.8M | $399K | 52.9% |
| T2 FINANCIAL LLC | 16 | $4.2M | $259K | 75.0% |
| Rocket Mortgage, LLC | 15 | $4.6M | $307K | 33.3% |
| Hometown Equity Mortgage, LLC | 13 | $5.4M | $415K | 46.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | $3.9M | $325K | 83.3% |
| GUILD MORTGAGE COMPANY | 12 | $3.8M | $320K | 91.7% |
| Leader Bank, National Association | 10 | $3.5M | $352K | 90.0% |
| ABL RPC Residential Credit Acquisition LLC | 9 | $3.6M | $405K | 0.0% |
| Rockland Trust Company | 8 | $4.3M | $540K | 75.0% |
| Triangle Credit Union | 8 | $3.6M | $445K | 37.5% |
| GUARANTEED RATE, INC. | 8 | $3.3M | $411K | 62.5% |
| Fairway Independent Mortgage Corporation | 8 | $2.2M | $274K | 87.5% |
| Bangor Savings Bank | 7 | $5.6M | $806K | 28.6% |
| Workers Federal Credit Union | 7 | $3.0M | $429K | 85.7% |
| HOMEXPRESS MORTGAGE CORP. | 7 | $2.8M | $401K | 71.4% |
| DEEPHAVEN MORTGAGE LLC | 7 | $1.6M | $229K | 100.0% |
| Sierra Pacific Mortgage Company, Inc. | 6 | $2.8M | $462K | 33.3% |
| St. Mary's Bank Credit Union | 6 | $2.6M | $433K | 50.0% |
| Kiavi Funding, Inc. | 6 | $2.3M | $387K | 100.0% |
| Bar Harbor Bank & Trust | 6 | $2.1M | $355K | 50.0% |
| Loandepot.Com, LLC | 6 | $1.9M | $323K | 66.7% |
| CHAMPIONS FUNDING, LLC | 5 | $2.2M | $449K | 80.0% |
15 New Hampshire loans (1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Hillsborough County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Hillsborough County CSV, all 25 lenders
What Hillsborough County's table can't show you: fit. Short-term financing is exempt from HMDA, so Hillsborough County's fix-and-flip and bridge lenders barely appear among its 117 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 Hillsborough County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Hillsborough County |
|---|---|---|---|
| Merrimack County, NH | 137 | 65 | Borders Hillsborough County |
| Middlesex County, MA | 2,257 | 229 | Borders Hillsborough County |
| Rockingham County, NH | 243 | 108 | Borders Hillsborough County |
| Worcester County, MA | 1,224 | 197 | Borders Hillsborough County |
| Essex County, MA | 972 | 180 | Borders Hillsborough County |
Run the coverage test on your Hillsborough County, New Hampshire deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Hillsborough 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 — Hillsborough County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 117 lenders and 473 loans: 2025 HMDA loan-level data rolled up to Hillsborough County.
- Hillsborough County investor-lender dataset (CSV) — All 25 lenders in the Hillsborough County, New Hampshire table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Hillsborough 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 Nashua, NH HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Hillsborough 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.