Current super-jumbo DSCR guidelines, updated from one source.
Every super jumbo DSCR page in this series shows the same live program figures, read from one guideline source rather than typed into each page.
Program ceiling
The ceiling is the top of the ladder, not a promise at every credit tier — leverage and credit floors change band by band.
Top purchase leverage
The headline leverage belongs to the smallest balances the program accepts; the ladder table below shows what each larger band allows.
Full-leverage coverage floor
The full-leverage coverage floor: at or above it, the ladder applies as shown; below it, leverage steps down through the reduced band.
Credit floor
Credit sets which cells of the matrix are open: this floor opens the lower bands, the super-jumbo overlay floor applies above the overlay line, and each band’s best cell carries the credit requirement the ladder table shows.
Cash-out leverage steps down with loan size and stops at this balance; larger requests are purchase or rate-and-term only.
Above this balance every request is reviewed before submission, at reduced leverage.
An interest-only period is available through select programs, with coverage measured on the interest-only payment.
| Loan size | Purchase & rate-and-term | Cash-out | Credit at that leverage |
|---|---|---|---|
| $150,000 – $1M | 80% | 75% | 660+ |
| $1M – $1.5M | 75% | 70% | 700+ |
| $1.5M – $2M | 75% | 60% | 720+ |
| $2M – $3M | 75% | 60% | 720+ |
| $3M – $4M | 65% | Not available | 700+ |
| $4M – $6M | 60% · case by case | Not available | 700+ |
| $6M – $10M | 60% · case by case | Not available | 700+ |
Current super-jumbo DSCR snapshot · updated September 26, 2026 · coverage from 0.75 to 0.99 and no-ratio files to $2M at reduced leverage · super-jumbo overlays (credit floor 700+) above $3M · two appraisals above $2M · short-term rental income to $2M.
Business-purpose financing for investment property only, arranged through select wholesale programs; the figures shown are current program parameters that vary by loan size, credit tier, transaction, and property, subject to lender program eligibility and underwriting. No lender rate, payment, fee, or lender is stated or implied anywhere on this page; the calculator below runs on a public benchmark rate, not a quote. Lendmire is never the lender.
What a super-jumbo DSCR loan is — and how the ladder decides it.
Super jumbo DSCR financing in New Hampshire qualifies on the property, not the owner, and reads its terms from a ladder rather than a single cap; understanding the rungs is most of the work.
Balance inside the standard ceiling? See DSCR Loans in New Hampshire, the standard program, or return to the super jumbo DSCR loan program overview.
The rent qualifies the loan, not the owner
The income that matters is the rent New Hampshire tenants pay or the market rent an appraiser documents, measured against principal, interest, taxes, insurance, and dues. The owner’s personal income never enters the calculation.
Leverage is a ladder, not a number
Think of the ladder as a set of doors: the loan size chooses the hallway, the credit tier chooses the door, and the door is the leverage. The snapshot and ladder table above show the doors open today.
Credit and reserves tighten above the overlay line
The program reads credit twice for a New Hampshire file: once against the floor for the band, and once against the floor for the leverage cell requested. Reserves are months of the full payment, with a longer requirement for a first-time investor.
The review line and the cash-out ceiling
Two lines matter on every super jumbo DSCR file in New Hampshire: the cash-out ceiling, above which the program offers purchase and rate-and-term only, and the review line, above which every request is considered case by case before submission.
This is the whole test, applied at the leverage the ladder allows for the balance. The tool below reads the matrix for your inputs; underwriting decides the real number.
Where New Hampshire’s high-value rental stock sits — and how a lender reads it.
Statewide Census figures give the backdrop for New Hampshire’s high-value rental stock; the market pages beneath this guide carry each city’s own numbers.
Statewide figures provide general market context, not an appraisal or a rent analysis. The higher the value, the thinner the rent relative to the payment; that is the pattern in nearly every luxury market, and it is why super jumbo DSCR files carry more equity, an interest-only period, or both.
Data sources: U.S. Census Bureau — ACS 5-Year (2024) housing and population estimates, including owner-occupied home values by bracket and gross rent by bracket.
Where New Hampshire’s high-value rental stock runs deepest — market by market.
The New Hampshire markets below are ranked by the share of owner-occupied homes valued above the standard DSCR ceiling — the markets where super jumbo balances are most common — each with its own page.
Portsmouth
Roughly 1,179 homes in Portsmouth, about 21% of the owner-occupied stock, are valued at one million dollars or more — a coastal luxury market where high-balance files are common enough to read cleanly. Census context: median value near $688,500, median household income near $106,219, population near 23K.
North Conway
Roughly 59 homes in North Conway, about 11% of the owner-occupied stock, are valued at one million dollars or more — a mountain and resort luxury market where high-balance files are common enough to read cleanly. Census context: median value near $435,000, median household income near $71,198, population near 2.0K.
Laconia
High-value housing is a smaller share of Laconia — about 6.6% of owner-occupied homes, roughly 304 — so a super jumbo file there leans on the property’s own appraisals and rent, with the lakefront and waterfront luxury market setting the context. Census context: median value near $340,300, median household income near $73,218, population near 17K.
Hampton
High-value housing is a smaller share of Hampton — about 3.6% of owner-occupied homes, roughly 122 — so a super jumbo file there leans on the property’s own appraisals and rent, with the coastal luxury market setting the context. Census context: median value near $545,300, median household income near $97,163, population near 10K.
Lincoln
Lincoln is a mountain and resort luxury market where roughly 5 owner-occupied homes (1.6% of the stock) are valued at one million dollars or more; a high-balance file is read on its own comparables and its own lease. Census context: median value near $326,700, median household income near $60,000, population near 923.
Nashua
In Nashua, about 1.2% of owner-occupied homes — near 256 — reach one million dollars in value, which is why a file there is carried by its appraisals and its rent rather than by a market pattern. Census context: median value near $403,900, median household income near $96,326, population near 91K.
Read the market list as orientation; the city pages carry the figures, and the appraisals and the rent carry the file.
Four ways New Hampshire investors put super-jumbo DSCR financing to work.
From acquisition to consolidation, super jumbo DSCR loans in New Hampshire solve a specific set of problems for high-value rentals.
Hold title in an entity
For New Hampshire investors holding property in an entity, the super jumbo path accommodates the structure, subject to lender program eligibility, while the rent carries the file.
Buy a high-value rental on its rent
For a New Hampshire acquisition that a standard DSCR program cannot carry, the super jumbo path applies the same rent test at a larger balance, with the ladder setting the leverage.
Take cash out below the cash-out ceiling
An investor consolidating equity from a New Hampshire property uses the cash-out path where the ladder allows it, knowing the largest balances are structured without cash.
Refinance out of a bank or bridge loan
Move a New Hampshire rental out of a bank portfolio loan, a bridge loan, or a maturing structure into a rent-qualified loan at the leverage the ladder allows, without tax returns.
Estimate a New Hampshire high-value rental’s coverage at its loan size, before requesting a quote.
The calculator does what the lender’s first pass does for a New Hampshire file — finds the band, opens the cell for the credit tier, builds the payment, and checks the rent against the floor — using the current matrix and the weekly Freddie Mac benchmark as an editable rate assumption.
New Hampshire super jumbo DSCR calculator
Starting assumptions reflect New Hampshire’s home values and rents; change any field and the ladder is re-read.
Editable benchmark: 7.28% as of October 1, 2026 · Freddie Mac 30-year average via FRED®. This is not a DSCR loan quote.
Illustrative starting assumptions: a $2,500,000 price set above New Hampshire’s median owner-occupied home value to reach the super jumbo band, an equity position sized to the ladder, and a long-term rent in line with luxury rent-to-value (U.S. Census Bureau). Taxes and insurance are editable assumptions.
Illustrative estimate only — not a Loan Estimate, approval, quote, or commitment to lend. Leverage is read from the current program matrix for the loan size and credit tier entered; the appraisal, the lease or market rent, reserves, and full underwriting decide the actual figures. Requests above the review line are considered case by case, purchase or rate-and-term only. The rate field is an editable Freddie Mac thirty-year benchmark; it is not a DSCR loan quote.
Same property, three very different structures.
Super jumbo DSCR is one of three structures a New Hampshire investor might use on the same property; each reads income differently and stops at a different balance.
Rent-qualified at scale, standard DSCR, or the owner’s income.
Rent-qualified financing for high-value rentals: no tax returns, leverage that steps down by band, reserves and appraisal work that scale with the balance, and interest-only through select programs.
The everyday DSCR loan: rent-qualified, higher leverage in the lower bands, and a ceiling that most New Hampshire rentals never approach — the super jumbo path begins where it stops. Inside the standard ceiling, Lendmire arranges DSCR loans in New Hampshire.
Deposit-qualified rather than rent-qualified: a bank statement loan puts the owner’s business income at the center, which suits an owner-used home more than a leased rental.
If the rent covers the payment and the balance is above the standard ceiling, super jumbo DSCR is the structure; if it is inside the ceiling, standard DSCR; if the owner will live there, a bank statement loan.
What to prepare for a New Hampshire scenario review.
What a high-balance scenario review usually starts with.
This is a general preparation guide, not a universal checklist. The selected lender may request additional information based on the loan size, the property, the appraisals, the lease or market rent, the entity, and reserves. Nothing here is legal or tax advice.
Local details that can change the loan.
Beyond the rent and the credit tier, a handful of details decide where a New Hampshire high-balance file lands on the ladder — or whether it lands at all.
Use these checks to keep the New Hampshire file clean and fundable.
A clean New Hampshire file starts with the balance placed on the ladder; the considerations below carry the rest.
- Know the rung: plan the equity around the rung, not the value.
- Count the appraisals: expect two appraisals above the line and plan for the lower value.
- Plan the review: structure the file as a purchase or rate-and-term above the review line.
The loan-size band decides the leverage
Leverage on a New Hampshire high-balance file is not negotiated; it is read from the band. The work is choosing the balance and the equity so the file lands on the rung that fits.
Two appraisals above the line
The appraisal work on a New Hampshire high-balance file scales with the price: two reports above the line, a market rent analysis that has to defend a large number, and a valuation that the ladder is applied to only once the comparables support it.
Case-by-case review above the line
The largest New Hampshire balances are a conversation: the lender reviews the property, the rent, the borrower, and the structure before the file is submitted, and the leverage is the top band’s.
Reserves scale with the payment
Reserves are months of the full payment, so a New Hampshire high-balance file carries a larger reserve requirement in dollars than a standard file; a first-time investor carries a longer requirement, and at the largest balances cash-out proceeds may not satisfy it.
Acreage, condos, and rural designations
Acreage is capped by loan band in New Hampshire, rural property carries its own leverage and is excluded above a set balance, and a non-warrantable condominium or a condotel has its own cell and its own size cap.
From a New Hampshire rent roll to a funded high-balance loan.
Four steps take a New Hampshire high-balance scenario from a first read to funding; the first one is the one most investors skip.
Place the balance
The first step is the ladder: where the New Hampshire balance lands, which cell the credit tier opens, and whether the structure should change to land on a better rung.
Package the file
Lendmire packages the New Hampshire file for the wholesale program whose ladder reads it best — the overlays, the property rules, and the reserves are matched before submission.
Appraise and review
The appraisals and the rent analysis set the numbers the ladder is applied to; a New Hampshire file above the review line is reviewed before submission.
Close and fund
The New Hampshire loan closes once underwriting confirms the ratio at the approved cell, with reserves verified and the entity documented.
A brokerage built around investors who qualify on rent.
High-balance DSCR lending is where a generalist stumbles: the ladders differ by program, the overlays differ by size, and the list of wholesale lenders that handle very large rental balances competently is short.
Ladders, not guesses
The band, the cell, the overlays, and the review line are known at the start of a New Hampshire file, not discovered in underwriting.
The right wholesale program
High-balance DSCR ladders differ by program; Lendmire places a New Hampshire file where its rent, its credit tier, and its property read best.
Structured for the review
The details that sink high-balance files late are settled early on a New Hampshire file, which is what keeps the closing on the terms the ladder allowed.
Trusted by investors & homeowners alike.
New Hampshire super jumbo DSCR loan FAQs
What New Hampshire investors want to know about rent-qualified financing above the standard ceiling — answered at the program level, not the file level.
How is leverage decided on a super jumbo DSCR loan in New Hampshire?
Leverage is read, not negotiated. A New Hampshire file lands in a band by loan size, and the credit tier opens a cell; the calculator on this page reads the current matrix for the exact size and tier entered.
Can I take cash out of a high-value New Hampshire rental with a super jumbo DSCR loan?
Cash-out has its own rungs and its own ceiling on this program. A New Hampshire file inside it can return cash at the band’s leverage; a file above it is structured as rate-and-term.
Are foreign nationals eligible?
On the foreign-national tier, subject to its own size cap and leverage, with the coverage floor met and without the no-ratio path; a path without a U.S. credit score exists subject to lender program eligibility.
What credit score does a super jumbo DSCR loan require?
The published floor opens the ladder’s lower bands; above the super-jumbo overlay line a higher floor applies, and inside each band the top leverage cell carries the credit requirement the ladder table shows. The snapshot shows the current floor; the ladder table shows the credit each best cell requires.
What is the rate on a super jumbo DSCR loan?
A scenario review produces the terms; nothing on this page states or implies a rate. The benchmark in the calculator exists only so the payment math can be illustrated.
Does short-term rental income count on a super jumbo DSCR loan?
Only to the program’s own short-term rental cap, which sits below the program ceiling; the income is discounted, documented with operating history or a rent analysis, and an experienced investor is required. Above the cap the file qualifies on long-term market rent.
How is the rent documented on a high-balance file?
A lease or the appraisal’s market rent. On very large New Hampshire balances the rent analysis has to defend a large number, so the appraiser’s comparables matter as much as the lease.
Can a first-time investor use the program?
The program accepts a first-time investor inside its own cap and with its own overlays; investor experience is measured as time owning income-producing real estate.
What coverage ratio does a New Hampshire property need?
The full-leverage floor in the snapshot unlocks the ladder’s best cells. Coverage between the reduced band and the floor still qualifies at reduced leverage, and a no-ratio path exists below its own size cap for files with a strong housing history.
What does Lendmire do on a New Hampshire high-balance file?
Places the file on the ladder first, then builds it for the program that reads it best; Lendmire brokers the loan through its wholesale network and is never the lender.
Bring the New Hampshire property. We will run the ladder.
No credit pull, no commitment: an initial review places your New Hampshire balance on the ladder and tells you what the file will need.
This guide covers New Hampshire — for the program overview, the ladder, and the calculator, see Lendmire’s super jumbo DSCR loans hub.
All New Hampshire city guides (7): Hampton · Laconia · Lincoln · Manchester · Nashua · North Conway · Portsmouth
Also in this state: DSCR Loans in New Hampshire · Short-Term Rental Loans in New Hampshire · Investment Property Cash-Out Refinance in New Hampshire · Hard Money Loans in New Hampshire