Investment property financing built for New Hampshire
New Hampshire is a compact but genuinely investable market, concentrated along the southern tier and the Seacoast — Manchester and Nashua in the population core, Portsmouth and the Seacoast, the state capital at Concord, and the fast-growing Dover–Rochester corridor. New City Financial finances business-purpose property across all of them on the strength of the asset’s cash flow, not your personal tax returns.
Because we underwrite the property rather than your income documents, our programs fit the state’s tight, supply-constrained market and its many self-employed, LLC-titled, and out-of-state investors — including buyers drawn north from Greater Boston. Whether you’re acquiring a workforce apartment building in Manchester, refinancing a mixed-use property in Portsmouth, or adding a rental in Nashua or Concord, you get one lender and one consistent set of terms.
Loan programs for New Hampshire investors
Every New City Financial program is available on qualifying New Hampshire investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in New Hampshire
We lend on business-purpose investment and commercial real estate across New Hampshire — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why New Hampshire investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in New Hampshire? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
New Hampshire commercial loan FAQs
Does New City Financial lend on investment property in New Hampshire?
Yes. We finance business-purpose investment and commercial real estate throughout New Hampshire — from Manchester and Nashua to Portsmouth, Concord, Dover, and Salem. Loans run from $75K to $50MM at up to 75% LTV.
Can I get a New Hampshire commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required. That fits New Hampshire’s many self-employed, portfolio, and out-of-state investors.
What credit score do I need for a DSCR loan in New Hampshire?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a standard loan-to-value of up to 75%, a strong New Hampshire asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in New Hampshire?
Most New Hampshire files close in under three weeks. Investor-focused underwriting and minimal documentation keep the process fast — an advantage in the tight, supply-constrained southern-tier and Seacoast markets where inventory moves quickly.
What loan-to-value can I get on New Hampshire investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Do you finance small multifamily and workforce apartments in New Hampshire?
Yes. New Hampshire’s persistent housing shortage keeps apartment demand strong, and we finance business-purpose small multifamily, mid-rise, and workforce housing — along with retail, industrial, office, and mixed-use — across Manchester, Nashua, Concord, and the Seacoast. Owner-occupied commercial space is eligible; primary residences are not.
Financing your New Hampshire deal with New City Financial
New City Financial provides business-purpose financing on New Hampshire investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.