A New Hampshire DSCR loan is business-purpose financing on a 1-4 family rental, secured by a mortgage whose power of sale lets the lender sell after notice published once a week for three weeks, under RSA 479:25.
New Hampshire foreclosures run under a power of sale, with the owner able to ask the superior court to stop a sale. The state's transfer tax hits the deed but skips the mortgage.
If you're refinancing a finished New Hampshire flip, start with the seasoning questions to ask.
How are rental property loans foreclosed in New Hampshire?
New Hampshire mortgages are foreclosed under a power of sale with notice published once a week for three successive weeks, and the mortgagor can petition the superior court to enjoin the scheduled sale, under RSA 479:25.
- The petition goes to the superior court for the county where the property sits.
- Notice requirements are set out in RSA 479:25.
Exception: Whether a judicial foreclosure is used in a given case was not confirmed here; ask the lender.
According to RSA 479:25, New Hampshire General Court, as of October 2026.
Does New Hampshire's transfer tax apply to a mortgage?
No. New Hampshire's real estate transfer tax applies to sales and transfers at $0.75 per $100 charged to each of the buyer and the seller, and RSA 78-B:2, III exempts a mortgage or other instrument given to secure a debt.
| Purchase price | Each party's share at $0.75 per $100 | Combined buyer and seller |
|---|---|---|
| $300,000 | $2,250 | $4,500 |
| $400,000 | $3,000 | $6,000 |
Exception: Confirm the closing figures with the title company.
According to RSA 78-B:1, RSA 78-B:2 and RSA 78-B:4, New Hampshire General Court, as of October 2026.
Does New Hampshire limit prepayment penalties on rental property loans?
New Hampshire's RSA 397-A:15 requires any prepayment penalty to be printed in bold type in the note and sets no cap, and the chapter defines a mortgage loan as one primarily for personal, family or household use under RSA 397-A:1, so it does not limit a business-purpose rental loan.
- If the loan is business-purpose, then prepayment terms come from the loan contract.
Exception: Get the prepayment schedule in writing before you commit.
According to RSA 397-A:15 and RSA 397-A:1, New Hampshire General Court, as of October 2026.
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DSCR Commercial Loan is an advertising publisher and referral service for business-purpose DSCR financing on one- to four-family rentals, not a mortgage broker or lender. With your consent, we refer your inquiry to one independent financing professional. Financing options, eligibility and terms are determined solely by that professional and the final lender.
Disclaimer
This page is general education about business-purpose real estate financing and state law as published by official sources on the date shown. It is not legal, tax or lending advice, not an offer to lend and not a rate quote. Laws and lender guidelines change; confirm current rules with the lender, the title company and your own attorney or tax adviser.