DSCR Loans in Merrimack 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, 65 lenders made 137 investment-property loans in Merrimack County, 9.0% of New Hampshire's total. Dominick Prevete arranges DSCR loans across Merrimack 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 $315,000.
Merrimack County investor market at a glance
| Statistic | Merrimack County | New Hampshire | County rank |
|---|---|---|---|
| Investor loans | 137 | 1,514 | 4th of 7 |
| Reporting lenders | 65 | 229 | 5th of 7 |
| Loan volume | $43.9M | $566.5M | 7th of 7 |
| Average loan | $321K | $374K | 7th of 7 |
| Median loan | $315K | $335K | 5th of 7 |
| Purchases | 67.2% | 63.1% | 4th of 7 |
| Cash-out refinances | 19.7% | 20.3% | 4th of 7 |
| 2–4 unit properties | 36.5% | 36.5% | 3rd of 7 |
| Top five lenders' share | 28.5% | 19.7% | 2nd of 7 |
| Reported business-purpose | 71.5% | 69.4% | 2nd of 7 |
Merrimack County: closed-end loans on 1–4 unit investment properties. Merrimack County's rank is highest first, among New Hampshire's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Merrimack County's investor loans.
What stands out in Merrimack County
The average investor loan in Merrimack County was $321K, the lowest average of New Hampshire's 7 counties with published data (statewide: $374K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Merrimack County's 137 investor loans ranked 4th of New Hampshire's 7 counties with published data.
Does a DSCR loan pencil in Merrimack County?
At HUD's fair market rent of $2,357 for a 3-bedroom in Merrimack County, New Hampshire, a rental covers its full DSCR payment up to a purchase price of about $315,000, with 20% down at the 7.25% starting rate (November 2026). Merrimack County's median home value is $367,600; at that price the payment is $2,725 a month, so the property would need $2,725 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) | $1,800 / $2,357 / $2,366 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $367,600 |
| Median property taxes and effective rate | $6,783 (1.85% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,725 |
| Rent needed to cover that payment | $2,725 |
| Coverage of a 3-bedroom at fair market rent | 0.87 |
| Highest price a 3-bedroom at fair market rent covers | about $315,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $485,000 |
| HUD area | Merrimack 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 Merrimack County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Merrimack County?
The most active investment-property lenders in Merrimack County in 2025 HMDA data were CMG MORTGAGE, INC.; Hometown Equity Mortgage, LLC; and Loan Funder LLC, out of 65 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 Merrimack County, and matches each file to the one most likely to fund it.
Merrimack County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 137 loans and $43.9M from 65 lenders. CMG MORTGAGE, INC. led Merrimack County with 10 loans, 7.3% of the county's total, and the average Merrimack County loan of $321K compares with $374K across New Hampshire.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| CMG MORTGAGE, INC. | 10 | $3.3M | $328K | 80.0% |
| Hometown Equity Mortgage, LLC | 8 | $2.8M | $353K | 62.5% |
| Loan Funder LLC | 7 | $2.3M | $325K | 28.6% |
| Rocket Mortgage, LLC | 7 | $1.5M | $208K | 85.7% |
| Merrimack County Savings Bank | 7 | $1.3M | $192K | 71.4% |
| Bar Harbor Bank & Trust | 5 | $1.9M | $383K | 60.0% |
| United Wholesale Mortgage | 5 | $1.7M | $345K | 60.0% |
| ABL RPC Residential Credit Acquisition LLC | 5 | $1.3M | $251K | 0.0% |
| Franklin Savings Bank | 4 | $1.3M | $318K | 100.0% |
| NBT Bank, National Association | 4 | $0.5M | $125K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $1.4M | $468K | 100.0% |
| St. Mary's Bank Credit Union | 3 | $1.1M | $382K | 100.0% |
| U.S. Bank National Association | 3 | $1.0M | $342K | 66.7% |
| GUILD MORTGAGE COMPANY | 3 | $0.9M | $288K | 33.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | $0.7M | $235K | 100.0% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 2 | $0.9M | $475K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.9M | $465K | 100.0% |
| Bangor Savings Bank | 2 | $0.7M | $370K | 100.0% |
| KEYSTONE FUNDING, INC. | 2 | $0.7M | $345K | 100.0% |
| Kiavi Funding, Inc. | 2 | $0.7M | $330K | 100.0% |
| GUARANTEED RATE, INC. | 2 | $0.6M | $315K | 50.0% |
| Bank of America, National Association | 2 | $0.6M | $280K | 100.0% |
| NEWREZ LLC | 2 | $0.6M | $275K | 100.0% |
| Broker Solutions, Inc. | 2 | $0.3M | $155K | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.2M | $110K | 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 Merrimack County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Merrimack County CSV, all 25 lenders
What Merrimack County's table can't show you: fit. Short-term financing is exempt from HMDA, so Merrimack County's fix-and-flip and bridge lenders barely appear among its 65 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 Merrimack County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Merrimack County |
|---|---|---|---|
| Hillsborough County, NH | 473 | 117 | Borders Merrimack County |
| Belknap County, NH | 109 | 61 | Borders Merrimack County |
| Rockingham County, NH | 243 | 108 | Borders Merrimack County |
| Grafton County, NH | 132 | 71 | Borders Merrimack County |
| Strafford County, NH | 138 | 62 | Borders Merrimack County |
Run the coverage test on your Merrimack County, New Hampshire deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Merrimack 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 — Merrimack County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 65 lenders and 137 loans: 2025 HMDA loan-level data rolled up to Merrimack County.
- Merrimack County investor-lender dataset (CSV) — All 25 lenders in the Merrimack County, New Hampshire table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Merrimack 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 Merrimack County, NH.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Merrimack 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.