REHAB & BRRRR LOANS · New Hampshire (NH) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

New Hampshire Investor Rehab & BRRRR Renovation Loans (Purchase + Holdback to DSCR) — 2026 Rates, LTV Caps & State Rules

New Hampshire Rehab & BRRRR Loans provide business-purpose real estate investors with Up to 85%–90% LTC + 100% Rehab Escrowed across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout) (12-Mo Rehab Bridge + Seamless 30-Yr DSCR Refi, 620+ FICO min FICO, 7 – 12 Business Days close). In New Hampshire (NH), lenders underwrite to a Non-Judicial (Statutory Power of Sale) statutory framework (60–85 days-day average timeline), a 1.93% average property tax rate (~$732/mo at the $455,000 state median), and $460/$100K hazard insurance (~$174/mo).

Max Leverage / LTC

Up to 85%–90% LTC + 100% Rehab Escrowed

Min FICO: 620+ FICO

2026 Rate Band

9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)

12-Mo Rehab Bridge + Seamless 30-Yr DSCR Refi

NH Security Instrument

Non-Judicial (Statutory Power of Sale)

60–85 days days avg timeline

NH Avg Tax & Ins

1.93% Tax

$460/$100K Hazard Ins