DSCR Loans in Strafford 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, 62 lenders made 138 investment-property loans in Strafford County, 9.1% of New Hampshire's total. Dominick Prevete arranges DSCR loans across Strafford 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 $335,000.
Strafford County investor market at a glance
| Statistic | Strafford County | New Hampshire | County rank |
|---|---|---|---|
| Investor loans | 138 | 1,514 | 3rd of 7 |
| Reporting lenders | 62 | 229 | 6th of 7 |
| Loan volume | $52.5M | $566.5M | 4th of 7 |
| Average loan | $381K | $374K | 4th of 7 |
| Median loan | $365K | $335K | 3rd of 7 |
| Purchases | 61.6% | 63.1% | 6th of 7 |
| Cash-out refinances | 23.2% | 20.3% | 2nd of 7 |
| 2–4 unit properties | 54.3% | 36.5% | 1st of 7 |
| Top five lenders' share | 32.6% | 19.7% | 1st of 7 |
| Reported business-purpose | 67.4% | 69.4% | 6th of 7 |
Strafford County: closed-end loans on 1–4 unit investment properties. Strafford County's rank is highest first, among New Hampshire's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Strafford County's investor loans.
What stands out in Strafford County
54.3% of Strafford County's investor loans financed a 2–4 unit property, the highest share of New Hampshire's 7 counties with published data (statewide: 36.5%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
The five most active lenders wrote 32.6% of Strafford County's investor loans, the highest share of New Hampshire's 7 counties with published data (statewide: 19.7%).
Five lenders write 32.6% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Strafford County?
At HUD's fair market rent of $2,494 for a 3-bedroom in Strafford County, New Hampshire, a rental covers its full DSCR payment up to a purchase price of about $335,000, with 20% down at the 7.25% starting rate (November 2026). Strafford County's median home value is $362,800; at that price the payment is $2,690 a month, so the property would need $2,700 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) | $2,093 / $2,494 / $2,813 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $362,800 |
| Median property taxes and effective rate | $6,708 (1.85% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,690 |
| Rent needed to cover that payment | $2,700 |
| Coverage of a 3-bedroom at fair market rent | 0.93 |
| Highest price a 3-bedroom at fair market rent covers | about $335,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $560,000 |
| HUD area | Portsmouth-Rochester, 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 Strafford County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Strafford County?
The most active investment-property lenders in Strafford County in 2025 HMDA data were United Wholesale Mortgage; CMG MORTGAGE, INC.; and Kennebunk Savings Bank, out of 62 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 and matches each file to the one most likely to fund it.
Strafford County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 138 loans and $52.5M from 62 lenders. United Wholesale Mortgage led Strafford County with 13 loans, 9.4% of the county's total, and the average Strafford County loan of $381K compares with $374K across New Hampshire.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 13 | $4.1M | $314K | 61.5% |
| CMG MORTGAGE, INC. | 11 | $3.9M | $358K | 63.6% |
| Kennebunk Savings Bank | 10 | $5.0M | $496K | 80.0% |
| ENVOY MORTGAGE, LTD | 6 | $1.5M | $252K | 83.3% |
| Bangor Savings Bank | 5 | $2.5M | $491K | 100.0% |
| Emporium TPO LLC | 5 | $2.2M | $447K | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $1.9M | $465K | 75.0% |
| Newburyport Five Cents Savings Bank | 4 | $1.4M | $345K | 25.0% |
| Fairway Independent Mortgage Corporation | 3 | $1.3M | $445K | 100.0% |
| Loandepot.Com, LLC | 3 | $1.3M | $422K | 66.7% |
| NEWREZ LLC | 3 | $1.1M | $375K | 33.3% |
| TD Bank, National Association | 3 | $1.1M | $372K | 100.0% |
| SIS BANCORP, MHC | 3 | $1.1M | $368K | 100.0% |
| Loan Funder LLC | 3 | $1.0M | $325K | 66.7% |
| The Camden National Bank | 3 | $1.0M | $318K | 66.7% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 3 | $0.5M | $175K | 66.7% |
| GFA Federal Credit Union | 2 | $1.1M | $545K | 0.0% |
| Logan Finance Corporation | 2 | $1.0M | $515K | 100.0% |
| NEW WAVE LENDING GROUP INC | 2 | $1.0M | $510K | 50.0% |
| Profile Bank | 2 | $0.8M | $380K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 2 | $0.7M | $350K | 100.0% |
| EMM LOANS LLC | 2 | $0.7M | $335K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | $0.6M | $315K | 100.0% |
| Broker Solutions, Inc. | 2 | $0.5M | $270K | 50.0% |
| Rocket Mortgage, LLC | 2 | $0.5M | $235K | 50.0% |
15 New Hampshire loans (1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Strafford County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Strafford County CSV, all 25 lenders
What Strafford County's table can't show you: fit. Short-term financing is exempt from HMDA, so Strafford County's fix-and-flip and bridge lenders barely appear among its 62 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 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 Strafford County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Strafford County |
|---|---|---|---|
| York County, ME | 358 | 98 | Borders Strafford County |
| Rockingham County, NH | 243 | 108 | Borders Strafford County |
| Carroll County, NH | 135 | 77 | Borders Strafford County |
| Belknap County, NH | 109 | 61 | Borders Strafford County |
| Merrimack County, NH | 137 | 65 | Borders Strafford County |
| Grafton County, NH | 132 | 71 | About 60 miles away |
Run the coverage test on your Strafford County, New Hampshire deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Strafford 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 — Strafford County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 62 lenders and 138 loans: 2025 HMDA loan-level data rolled up to Strafford County.
- Strafford County investor-lender dataset (CSV) — All 25 lenders in the Strafford County, New Hampshire table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Strafford 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 Portsmouth-Rochester, NH HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Strafford 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.