Where we lend · New Hampshire (NH)
Investment property financingin New Hampshire.
Fix & flip, DSCR rental, bridge and construction loans for investors in Manchester, Nashua, Concord and across New Hampshire. Pre-qualify in minutes with no hard credit pull.
The market
Investing in New Hampshire,at a glance.
New Hampshire offers a compelling investment proposition: it's the most affordable state in New England to own property from a tax perspective (no income tax, no sales tax), and its proximity to Boston drives strong demand. Manchester, the state's largest city, has been transformed by a growing tech scene and young professionals seeking affordable alternatives to Boston. Nashua, just 45 minutes from downtown Boston, attracts commuters who want New Hampshire's tax advantages. Portsmouth commands premium prices as one of the most picturesque coastal towns in New England, with a strong tourism and dining scene. The Lakes Region (Laconia, Wolfeboro) offers seasonal vacation rental opportunities.
Markets we serve
- Manchester
- Nashua
- Concord
- Dover
- Portsmouth
Why AIRE Lending in New Hampshire
- Programs covering New Hampshire's Boston-commuter corridor and vacation markets
- DSCR lending suited for NH's strong rental demand from Mass. commuters
- Short-term rental financing for the Lakes Region and White Mountains
- Fast closings in New Hampshire's competitive market
- Understanding of New Hampshire's favorable tax environment for investors
Programs available
What we lendin New Hampshire.
Loan programs currently available through AIRE Lending in NH.
Fix & flip
- Rates from
- 9.0%
- Leverage
- Up to 90%
- Term
- 12 months
DSCR rental
- Rates from
- 7.0%
- Leverage
- Up to 80%
- Term
- 30 years
Bridge
- Rates from
- 9.5%
- Leverage
- Up to 80%
- Term
- 12 months
Construction
- Rates from
- 11.0%
- Leverage
- Up to 85%
- Term
- 12 months
Rates shown are based on our current lending programs and are subject to change. Actual rates depend on borrower qualifications, property type, and deal structure. This is not a commitment to lend.
New Hampshire licensing and compliance
New Hampshire does not require a mortgage lender license for business-purpose loans to entities for non-owner-occupied investment properties. AIRE Lending operates in full compliance with New Hampshire lending regulations.
Questions, answered
Lending in New Hampshire,explained.
Why is New Hampshire attractive for real estate investors?
New Hampshire's combination of no income tax, no sales tax, proximity to Boston, and growing cities like Manchester and Nashua makes it exceptionally attractive. Investors benefit from the tax advantage while serving strong rental demand from Boston commuters and NH's own growing economy.
Do you finance vacation properties in the Lakes Region?
Yes. Lake Winnipesaukee and the surrounding Lakes Region have a strong short-term rental market. We offer DSCR loans that accept vacation rental income for these properties. The White Mountains ski areas also have viable STR markets.
What are typical property prices in New Hampshire?
Manchester and Nashua properties range from $250K to $500K. Portsmouth commands $400K-$800K+. The Lakes Region varies from $200K to $1M+ depending on lakefront access. Our programs accommodate the full range of NH property values.
How competitive is the NH market?
New Hampshire's market is very competitive, particularly in the southern tier (Manchester, Nashua) due to Boston commuter demand. Our fast closing ability gives investors an edge over conventional buyers.