New Hampshire flips are mostly older homes in tight markets. Inventory is limited, many houses date from before 1950, and sellers often favor the buyer who can close quickly.
In short: Our top pick for hard money in New Hampshire is LendingStreet, an investor lender with fix and flip, bridge and DSCR rental loans in one place. Why investors choose LendingStreet: it closes in as little as 10 days, can cover up to 90% of cost and up to 100% of rehab on some programs, and offers a DSCR refinance for the Manchester and Nashua multi-families investors keep. Rates start from 7.99%, loans run $150,000 to $5M+, and we lend in all 50 states and DC.
LendingStreet offers fix and flip and bridge loans for 1-8 unit residential investment property in New Hampshire. Loans run from $150,000 to $5M+, cover up to 90% of cost and up to 100% of rehab on some programs, and can close in as little as 10 days. They are short-term and interest-only, with rates from 7.99%.
It fits investors renovating multi-family homes in Manchester and Nashua, single-family homes in Concord, Dover and Rochester, and older homes in the Seacoast and Lakes Region. LLC borrowers are standard, and when a finished home makes more sense as a rental, the exit is a refinance into a LendingStreet DSCR loan that qualifies on the property's rent, with no W-2s or tax returns.
The next step is simple: get a quote with the form below, or call (877) 298-1001 and tell us the address, price, rehab budget and timeline.
Investors searching for hard money lenders often compare national names like CoreVest, Dominion Financial, LendingOne, Lima One and RCN Capital. Here is how LendingStreet stacks up on the scenarios that matter most for investors in New Hampshire. In every scenario below, LendingStreet is the best fit.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Fix and flip above $3M | LendingStreet | Our fix and flip program runs from $150,000 to $5M+. LendingOne states fix and flip loans up to $3,000,000, and RCN Capital states up to $2M. |
| Bridge close in about 10 days | LendingStreet | We can close in as little as 10 days. CoreVest states its bridge loans typically close within 2 to 4 weeks. |
| Flip of a 5-8 unit building | LendingStreet | We finance 1-8 unit investor properties. RCN Capital states its fix and flip loans cover 1-4 family homes, condos and townhomes. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
Most New Hampshire investors weigh a few kinds of lenders: local hard money lenders, private individuals, and local banks or credit unions. Each can work. The table shows where LendingStreet stands out on the things that matter for a flip.
The biggest difference is the exit: LendingStreet can move a finished property straight into a long-term DSCR loan.
| What investors need | LendingStreet | Typical local hard money lender | Private individual lender | Local bank or credit union |
|---|---|---|---|---|
| Loan programs | Fix and flip, bridge and DSCR rental loans in one place | Usually short-term only | Varies by individual | Often conventional products; rehab loans vary |
| Leverage | Up to 90% of cost; up to 100% of rehab on some programs | Varies; fees and terms vary | Negotiated deal by deal | Often requires a larger down payment |
| Speed | Close in as little as 10 days | Often fast | Can be fast if funds are available | Often slower underwriting |
| Loan size | $150,000 to $5M+ | Varies | Limited to the individual's funds | Varies |
| Pricing | Rates from 7.99% | Varies | Varies | Varies |
| Long-term exit | Refinance into a DSCR loan with the same lender | Usually no long-term option | Usually no long-term option | Possible; often requires tax returns |
| Borrowing in an LLC | Standard | Common | Varies | Varies |
| Where they lend | All 50 states and DC | Usually local or regional | Usually local | Usually local or regional |
Manchester and Nashua have the state's largest stock of older two- to four-family homes, many built in the late 1800s and early 1900s near the old mill districts. They suit investors who want to sell to owner-occupants or keep the building as a rental.
Concord, Dover, Rochester, Keene and Laconia offer older single-family homes and small multi-families at lower prices than the Seacoast. Portsmouth and nearby towns command higher prices and larger budgets, while Lakes Region properties may have seasonal demand, wells and septic systems.
New Hampshire charges a real estate transfer tax that is typically split between buyer and seller. On a flip, that means you usually pay the buyer's share at purchase and the seller's share at sale. Budget for both, along with title and recording fees.
New Hampshire generally allows nonjudicial foreclosure under a power of sale. Foreclosure and bank-owned listings appear, but limited inventory means many flips come from direct purchases and estate sales.
Permit and code requirements vary by town in New Hampshire, and some small towns have limited local requirements, so ask the town building office before you start. Older homes often need electrical, heating and lead work.
If you plan to rent the finished home, New Hampshire's lead rules apply to many pre-1978 rentals. Winter limits exterior work and adds heating costs during the hold.
This example is illustrative and not a quote. An investor buys a three-bedroom Cape in Manchester for $330,000 and budgets $75,000 for kitchen, bath, electrical, heating and windows. The after-repair value is estimated at $495,000. A loan covering 85% of the price and 100% of the rehab comes to $355,500, about 87.8% of total cost, so the investor brings $49,500 plus closing costs.
The estimated interest-only payment is about $3,111 a month. Over a 6-month hold that is about $18,664 in interest, plus about $3,900 in taxes, insurance and utilities. With assumed buy-side closing costs of $9,900 and selling costs of $34,650, the estimated profit on a sale is about $22,886 on roughly $81,964 of cash invested.
If the investor keeps it as a rental instead, a DSCR refinance at 75% of the after-repair value is $371,250, enough to pay off the $355,500 short-term loan. At $3,350 a month in rent, estimated principal and interest is about $2,533 and taxes and insurance about $780, for a total of $3,313 and a DSCR of about 1.01x, above the 1.0x standard minimum.
| Item | Amount |
|---|---|
| Purchase price | $330,000 |
| Rehab budget | $75,000 |
| After-repair value | $495,000 |
| Short-term loan (85% of price + 100% of rehab) | $355,500 |
| Share of total cost | About 87.8% |
| Estimated monthly interest-only payment | $3,111 |
| Interest over 6 months | $18,664 |
| Estimated profit on sale | $22,886 |
| DSCR refinance at 75% of value | $371,250 |
| Estimated principal and interest | $2,533 |
| DSCR at $3,350 rent | About 1.01x |
Plans change. A slow resale market, a strong rent estimate or a good long-term location can make keeping the home the better move. With LendingStreet, the short-term loan can be refinanced into a DSCR loan that qualifies on the property's rent. Many New Hampshire investors keep Manchester and Nashua multi-families after the rehab, since combined rent from all units can carry a DSCR loan.
DSCR loans start at $150,000 with no stated maximum, use a 1.0x standard minimum DSCR with sub-1.0 programs available, require a 620 minimum credit score and offer 30-year terms. Rate-and-term refinances go up to 80% LTV on some programs and cash-out goes up to 75%. Seasoning varies by program, so ask before you set your timeline.
Ask every lender the same questions so you can compare offers on equal terms.
Here is how LendingStreet answers: up to 90% of cost and up to 100% of rehab on some programs, close in as little as 10 days, $150,000 to $5M+ with larger balances reviewed case by case, LLC borrowers standard, a 1.0x standard minimum DSCR for the rental exit with sub-1.0 programs, and seasoning that varies by program.
A complete package gets a faster answer. Send these with the form below or call (877) 298-1001.
Our top pick is LendingStreet. It offers hard money style speed, closing in as little as 10 days, up to 90% of cost and up to 100% of rehab on some programs, and a DSCR refinance for homes you keep, all from one investor lender.
Yes. LendingStreet lends on investment property in New Hampshire and in all 50 states and DC. Get a quote with the form below or call (877) 298-1001.
LendingStreet can close in as little as 10 days. A complete file with a signed contract, rehab budget and entity documents helps keep the timeline short.
Up to 90% of cost and up to 100% of rehab on some programs. Loans run from $150,000 to $5M+, and the final terms depend on the deal and your experience.
Yes. Many investors refinance into a LendingStreet DSCR loan that qualifies on the property's rent, with no W-2s or tax returns. Seasoning varies by program.
It is typically split between buyer and seller, so on a flip you usually pay the buyer's share at purchase and the seller's share at sale. Confirm the amount with your title company.
Many do, especially if you plan to rent the home. Pre-1978 rentals can be subject to the state's lead rules, so price lead-safe work into the budget.
No. Our loans are business-purpose loans on non-owner-occupied investment property, from single-family homes up to 8 units.
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