DSCR Loans in New Hampshire
Last updated: May 2026
New Hampshire is one of the most landlord-friendly states in New England, with no income tax on wages, no sales tax, and a fast eviction process. The state's proximity to Boston has driven significant population growth, especially in the southern tier along the I-93 corridor. High property taxes are the main headwind, but strong rents from Massachusetts commuters often compensate.
Property Tax
1.86%
State Income Tax
None (interest & dividends tax repealed 2025)
Landlord Friendly
Very
Eviction Timeline
1 - 2 months
Property Taxes in New Hampshire
New Hampshire relies heavily on property taxes to fund local services since it has no income or sales tax. Manchester's effective rate is approximately 2.08%, while Nashua averages about 1.92%. Concord sits near 2.19%, and rates in Lakes Region towns like Laconia can exceed 2.0% as well.
Insurance Costs
Typical investment property insurance in New Hampshire runs $1,100 - $1,600/yr. New Hampshire properties face relatively standard insurance costs compared to coastal Northeast states. The primary risk factors are harsh winters bringing ice dam damage, frozen pipe bursts, and heavy snow loads on roofs, particularly in the northern part of the state.
Landlord-Tenant Laws
New Hampshire is considered very landlord-friendly with no rent control and a streamlined eviction process. Nonpayment evictions can be completed in as little as 30 days through the Circuit Court. Security deposits are limited to one month's rent or $100, whichever is greater, and landlords must return them within 30 days.
Top Investment Markets in New Hampshire
Manchester
Largest city in the state with a diverse economy spanning healthcare, defense, and tech, plus direct Amtrak service planned.
Nashua
Consistently ranked among the best places to live in the U.S., with strong rental demand from Boston commuters avoiding Massachusetts taxes.
Concord
State capital with stable government employment and a growing downtown dining and cultural scene.
Rochester
Affordable Seacoast Region alternative with median home prices below $300K and growing demand from Portsmouth spillover.
DSCR Considerations in New Hampshire
New Hampshire's high property taxes are the biggest DSCR challenge, often consuming 20-25% of gross rent. Investors targeting southern New Hampshire benefit from Boston-area rent levels without Massachusetts' tenant protections. The lack of state income tax is a meaningful advantage for investors who live in-state and manage their own properties.
Run the numbers for New Hampshire
Use our free DSCR calculator to see if your New Hampshire investment property pencils out.
Open DSCR Calculator