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Fix & Flip · New Hampshire

Fix & flip loans in New Hampshire — fund the deal, keep your cash.

Mortava fix & flip loans in New Hampshire: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

New Hampshire is no state income tax and tight inventory near the Boston commuter belt. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Manchester, Nashua, Concord and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your New Hampshire project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance New Hampshire projects with Mortava

In a market like New Hampshire, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Manchester, Nashua, Concord deals and recycle capital into the next project faster.

New Hampshire’s no-income-tax posture pulls Massachusetts commuters — and their landlords — across the border, keeping Manchester and Nashua inventory tight. Investors here get tax efficiency plus Boston-belt appreciation.

Top metros we fund
Manchester, Nashua, Concord
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

The New Hampshire tax angle

New Hampshire has no state income tax, so flip profits face federal tax only for individual filers — meaningful when you run multiple projects a year. For the details, read our states without capital gains tax guide, and confirm treatment with your tax advisor.

Guidelines reviewed July 2026 by the Mortava lending team.

New Hampshire fix & flip loan FAQ

Can I get a fix and flip loan in New Hampshire?
Yes. Mortava funds fix & flip projects across New Hampshire, including Manchester, Nashua, Concord. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a New Hampshire flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in New Hampshire.
Do you fund first-time flippers in New Hampshire?
Yes — first-time flippers are welcome in New Hampshire with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Does New Hampshire tax my fix and flip profits?
New Hampshire has no state income tax, so flip profits are taxed at the federal level only for individual filers. How a gain is characterized depends on hold time and entity structure — run your setup past a tax professional.
Do you fund flips in Manchester and Nashua?
Yes — Manchester, Nashua, Concord and every other New Hampshire market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Fix & flip loans by state
Flip in MinnesotaFlip in MississippiFlip in MissouriFlip in MontanaFlip in NebraskaFlip in NevadaFlip in New JerseyFlip in New MexicoFlip in New YorkFlip in North CarolinaFlip in North DakotaFlip in Ohio
All Fix & Flip programs → DSCR loans in New Hampshire → Instant quote & pre-qualify →
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