New Hampshire Hard Money and Private Lender
for Real Estate Investors
DSCR, fix and flip, bridge and construction loans for investors in Manchester, Nashua, Portsmouth and across New Hampshire, with one Relationship Manager from the first call to the final wire.
New Hampshire Real Estate Investor Loans
New Hampshire runs two investor markets. In the cities along the Merrimack, the deal is an older multi-family: about one in four Manchester homes sits in a building of two to four units. Across the rest of the state it’s single-family homes, and about one in ten New Hampshire homes is held for seasonal use. We finance each stage: fix and flip loans for the purchase and the work, bridge loans to buy before the last deal sells, DSCR loans once it’s rented, and construction loans, now including a second unit on the same lot.
DSCR Loans in New Hampshire
Leverage
Up to 80% LTV
Rate
Instant Quote
Sized to the rent, not your tax returns. We ask one question: does what the property rents for cover the monthly payment, with room left over for you? That works on a two-family in Nashua, a three-family in Manchester or a single-family rental on the Seacoast. Up to 80% of value on a purchase or rate and term refinance, 75% on a cash-out, fixed for 30 years, and 1 to 4 unit rentals can close vacant or occupied.
Fix and Flip Loans in New Hampshire
Leverage
90% / 100% / 70% ARV
Rate
From 7.99%
Close
5–10 days
We underwrite New Hampshire flips to the finished value: the scope, the budget, and the sales behind your number. We lend up to 90% of the purchase and 100% of the renovation, capped at 70% of what the property will be worth finished, and release renovation money as the work is done. New Hampshire charges its transfer tax to the buyer and the seller, so a flip pays it twice, once going in and once going out. Count both.
Bridge Loans in New Hampshire
Term
Up to 24 Months
Best fit
Buy now, refinance later
For the deal that can’t wait on a long-term loan. Close on the next property before the last one sells, or buy a rental with empty units, lease it up, and refinance into a 30-year DSCR loan once the rent is in place. Our largest recent New Hampshire loan was a $1.5 million bridge cash-out on a Portsmouth home.
Construction Loans in New Hampshire
Leverage
Up to 80% LTC
Exit
Sell or refi to DSCR
Since July 2025, every New Hampshire town that allows single-family homes must allow one accessory dwelling unit by right, attached or detached, and it can be built at the same time as the house. That puts a second unit on a single-family lot within reach from the start. Build to sell, or keep it and refinance into a 30-year DSCR loan once it’s rented.
What Works Differently in New Hampshire
Buyer and seller both pay the transfer tax
New Hampshire charges $0.75 per $100 of the price to the buyer and the same to the seller, 1.5% of the price between them.
For your deal: a flip pays it going in and coming out. Buy at $300,000 and sell at $400,000, and that’s $2,250 and then $3,000.
Tenant deposits change hands at closing
A deposit is capped at one month’s rent or $100, whichever is more, and it stays the tenant’s money, held in trust. When a rental sells, the seller has 5 days from the deed to turn the deposits over to the buyer.
For your deal: put the deposit list and the funds on the closing checklist, and hold them in a New Hampshire trust account or under a bond.
A fourth house changes the eviction rules
An owner of three or fewer single-family rentals can end a tenancy with proper notice. From the fourth on, and in any multi-family the owner doesn’t live in, the landlord needs a reason the law lists, though any legitimate business reason counts.
For your deal: sign leases of 12 months or longer. When one ends, 60 days’ written notice that you won’t renew is itself a reason.
Every house lot can take a second unit
Since July 2025, any town that allows single-family homes must allow one accessory unit by right, attached or detached, and a garage standing by then can be converted. A town may require the owner to live in one of the two units.
For your deal: an added unit is a second rent on the same lot. Check the town’s owner-occupancy rule first: if it has one, the unit only works on a home you live in.
New Hampshire Relationship Manager
Relationship Manager
Michael Plansky
mplansky@cvlending.com
Where We Lend in New Hampshire
Hard Money Loans in Manchester and Nashua
Manchester is New Hampshire’s multi-family city: about one in four homes is in a building of two to four units, and close to a third were built before 1940. Nashua’s housing is newer, with about one in seven homes in two-to-four-unit buildings. In either city, an owner who doesn’t live in the building is under the stricter eviction rules, so a 12-month lease is the standard to write. Our recent closings below include a Manchester condominium refinance.
Hard Money Loans in Concord and the Lakes Region
About a third of Concord’s homes were built before 1940, and about one in five sits in a building of two to four units. North of the capital, the buyer for a lake or mountain house is often buying a second home: about one in ten New Hampshire homes is held for seasonal use. A flip finished for that buyer is a different project from a rental finished for a tenant, and we underwrite each to its own exit.
Hard Money Loans on the Seacoast
About a third of Portsmouth’s homes were built before 1940, while Dover and Rochester inland have more newer single-family stock. Our recent Seacoast closings below include a $1.5 million Portsmouth bridge loan, a Portsmouth rental refinance, and DSCR cash-out refinances in Rochester and Exeter.
Funded Loans in New Hampshire
Location
Property Type
Purpose
Amount
Portsmouth, NH
Single Family Residential
Cash Out Refi
$1,500,000
Portsmouth, NH
Single Family Residential
Cash Out Refi
$460,000
Rochester, NH
Single Family Residential
Cash Out Refi
$400,000
Exeter, NH
Condominium
Cash Out Refi
$360,000
Manchester, NH
Condominium
Cash Out Refi
$140,000
Frequently Asked Questions
Does Conventus lend on 2-to-4-unit and small multifamily properties in New Hampshire?
Yes. Two-to-four-unit buildings are common in Manchester, where about one in four homes is in a building that size, and in Concord and Nashua, and we finance them on both fix-and-flip and DSCR terms. Several rents on one building make it easier for the rent to cover the payment than on a single-family home at the same price.
What loan products does Conventus offer New Hampshire investors?
We’re flexible based on your deal structure. Our four main categories are fix-and-flip and bridge loans for acquisition and rehab, DSCR loans for the rental hold, and ground-up construction financing. If these don’t fit your deal, reach out and we’ll put something together to get your deal financed.
Do you offer DSCR loans in New Hampshire?
Yes. DSCR loans qualify on the property’s rental income, not your tax returns: the rent has to cover the full monthly payment, taxes and insurance included. Our recent New Hampshire DSCR loans are cash-out refinances on single-family homes and condominiums in Portsmouth, Rochester, Exeter and Manchester.
How does New Hampshire's accessory dwelling unit law affect a project?
Since July 2025, towns that allow single-family homes must allow one accessory unit by right, attached or detached, built with the house or added later, including in a garage that stood by then. A town may still require the owner to live in one of the two units, so check that before planning both as rentals, then bring the plan to your Relationship Manager and we can tell you how it structures.
Is Conventus a hard money lender?
Conventus is a private real estate lender. Investors often use “hard money” as shorthand for fast, asset-based financing that qualifies on the deal instead of a W-2, and that is what we provide, with institutional backing, in-house underwriting, and a local Relationship Manager rather than a one-off broker.
Does a fix-and-flip loan cover the renovation budget, or just the purchase?
Both. A Conventus fix-and-flip loan finances the purchase and the rehab in one file, with the construction budget released in draws tied to completed work, so you are not carrying the renovation in cash or stacking a second lender.
Do I need a New Hampshire LLC to borrow?
These are business-purpose loans, so most clients borrow through an LLC, and we can typically close in the entity that holds the deal. We do not lend on owner-occupied primary residences.
How fast can you close in New Hampshire?
On investor timelines, not retail ones. As fast as 5-10 days on a clean fix-and-flip file. Speed comes from in-house underwriting and a Relationship Manager who works your file directly.
How do I get a quote or get started?
Call us at (800) 204-2705, email your New Hampshire Relationship Manager, Michael Plansky, at mplansky@cvlending.com, or submit your deal through the lead form and we will follow up. Bring the address, the purchase price, and the rehab scope or the rent, and we can tell you how it structures.