Long-term rental financing for investment properties across New Hampshire — qualified off the property's income, not your personal DTI. 30-year fixed from 5.75%, up to 80% LTV, and only 3 months of seasoning on cash-out refinances. SLA Capital has closed deals across every major New Hampshire metro.
SLA Capital — a Sir Lends A Lot LLC Company
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. Self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
New Hampshire pairs no-income-tax-on-wages advantage with Boston-metro commuter demand (Nashua, Salem, Manchester). Seacoast tech + defense employment anchors long-term rentals. Constrained supply supports property values.
New Hampshire has no income tax on wages — a real benefit for rental owners running properties here. (Investment income tax on dividends and interest exists but has been phasing out.)
Nashua, Manchester, and Salem are core Boston-metro commuter markets. Rental demand from professionals working in Massachusetts stays consistent.
Portsmouth and the Seacoast host tech (Bottomline Technologies) and defense (Portsmouth Naval Shipyard) employment that supports long-term rental demand.
Whether you're closing a single-asset SFR in a smaller New Hampshire market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Hillsborough County — largest NH metro
Hillsborough County — Boston-adjacent commuter market
Rockingham County — Seacoast tech + defense
Merrimack County — state capital
Strafford County — Seacoast SFR
Rockingham County — MA-border commuter market
Western NH secondary markets — Dartmouth-adjacent
Statewide coverage — send us any New Hampshire property
Same nationwide program, no state-specific surcharges.
Priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at close.
Purchase and rate-and-term refis up to 80% LTV. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM.
Single-asset from $55K to $3M. Portfolio structures for 2–10 New Hampshire properties on one note.
Up-front pricing. One origination point, standard closing costs, no junk fees.
Property rent must cover PITIA. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Yes. SLA Capital funds DSCR rental loans throughout New Hampshire — Manchester, Nashua, Portsmouth, Concord, Dover & Rochester, and every other NH metro. Rates from 5.75%, up to 80% LTV.
New Hampshire DSCR loans start at 5.75% on a 30-year fixed structure. Priced off the 5-year Treasury with transparent up-front pricing — the rate you're quoted is the rate you close at.
Every New Hampshire metro. High-volume markets: Manchester, Nashua, Portsmouth, Concord, Dover & Rochester. Secondary markets welcome.
New Hampshire pairs no-income-tax-on-wages advantage with Boston-metro commuter demand (Nashua, Salem, Manchester). Seacoast tech + defense employment anchors long-term rentals. Constrained supply supports property values.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on New Hampshire DSCR loans, and no active lease is required at closing.
Send us the property. Our sizer returns a real term sheet in minutes.
Short-term purchase + rehab financing across every New Hampshire metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for New Hampshire builders. 85% land + 85% build. $100K–$7.5M.