Broker, not a lenderHard Money Lenders inManchester, New Hampshire
Fix and flip, DSCR rental and new construction financing for Manchester investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Manchester deal right now
Prefilled with a realistic Manchester deal. Change any number and it reprices instantly on the lanes licensed in New Hampshire, using the same engine behind our term sheets.
Financing a deal in Manchester
Manchester is New Hampshire’s largest city, a mill town on the Merrimack that grew into the state’s job center, and its housing still reads like that history. Worker housing, wood frame two and three family buildings and early 1900s singles fill the West Side, the South End and the streets around downtown, while the North End carries larger colonials and the East Side has postwar capes and ranches. Homes here sell in a few weeks, usually with several offers, and most buyers already live in the area.
Manchester is a fast, tight market, and what decides a deal is getting the house at all. Good inventory goes under agreement in days, so the investors who win are priced before they offer and can close on a short timeline. Once you own it, the scope is typical of an old New England city: heating systems, electrical updates, porches and stairs, lead safe work in pre-1978 houses, and in the multifamily buildings, fire separation between units. Get a contractor through it before the inspection period ends, because the budget moves with what is behind the plaster.
What a Manchester deal looks like on paper
Manchester example: $285,000 purchase, $65,000 rehab, $475,000 after repair value, 730 credit, 4 to 10 flips completed. The engine puts that borrower on the 5% Down, 3+ Flips program at 11.00%. Think a 1910s West Side colonial with a knob and tube attic, an old steam system, a porch that needs rebuilding and a kitchen nobody has touched since the 80s. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (5%)You$14,250
- Origination (2%)Lender$6,715
- Doc prepLender$749
- Broker fee (1%)Broker$3,358
- Title and closingTitle$3,995
- Prepaid interest (15 days)Lender$1,518
- Property insuranceInsurer$3,325
- AppraisalAppraiser$550
Interest while you rehab: $2,482 a month on the $270,750 funded at closing, $3,078 once every draw is out. Proof of funds is cash to close plus $17,550 of rehab reserve and $18,466 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Manchester
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Experienced Investor Rate1 | 15% | 680+ | 2+ completed flips | 9.00% | 0.75% | 75% of ARV | 12-24 months | 7-14 days |
| 5% Down, 3+ Flips2 | 5% | 600+ | 3+ completed flips | 11.00% to 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips3 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
- Rate and origination are the program floor; two completed projects in the last 36 months preferred.
- Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of September 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
What the Manchester comps say
Redfin puts the Manchester median sale price at $475,000 over the three months through August 2026, up 3.2% from a year earlier, with homes selling in about 23 days and 396 sales in August, up from 343 a year before. Zillow’s typical home value is $441,115 as of August 31, 2026, up 1.1% over the year, with homes going pending in about 8 days.
| Median sale price, Manchester (Redfin, 3 months to Aug 2026) | $475,000 |
| Days on market, Manchester (Redfin) | 23 |
| Homes sold in August 2026 (Redfin) | 396 |
| Zillow home value index, Manchester (Aug 2026) | $441,115 |
| Share of properties at severe 30-year flood risk (First Street via Redfin) | 4% |
Sources: Redfin, Manchester NH housing market · Zillow, Manchester NH home values
How a Manchester file actually gets priced
Manchester appraisals have a healthy supply of recent sales to work with, because this is the busiest resale market in the state. The traps are the neighborhood lines and the unit count. The North End prices above the West Side and the inner city, and an East Side ranch is a different product from a South End two family, so we value from renovated closed sales of the same type in the same part of the city. For two to four units we also look at the rents, since many buyers here are owner occupants counting on that income to qualify.
Flooding is limited: Redfin’s First Street data puts about 4% of Manchester properties at severe 30 year risk, mostly along the Merrimack and the Piscataquog on the West Side. Check those streets. Winter is the bigger schedule risk, since roofs, siding and foundation work slow down from December to March and heating costs run the carry up. New Hampshire charges a real estate transfer tax on both the buyer and the seller, so a flip pays it twice, once on the way in and once on the way out; put both in the numbers.
Who buys your finished Manchester deal
The Manchester buyer is mostly local, a working household or a first time owner using conventional or FHA financing, plus a steady flow of buyers coming up from Massachusetts for lower prices and no state income tax. Singles in the North End and on the East Side sell on condition and yard. Two and three family houses sell to owner occupants who will live in one unit and to investors who want the rent, and a DSCR refinance on a renovated multifamily is a common way to keep one.
Your whole loan, in one portal
Apply once and the whole Manchester loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.
What we fund in Manchester
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Manchester.
DSCR Rental
Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Manchester
We broker deals across the whole Manchester market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
We shop it
Your scenario goes to the lenders in our network that actually fit it and are licensed in New Hampshire, not all 400 at once.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
7 to 10 days typical. We stay on title and the lender through funding.
Manchester hard money FAQ
Do you lend hard money in Manchester?
Which fix and flip programs apply in Manchester?
How fast can a Manchester hard money loan close?
How much do I need to bring to close on a Manchester flip?
Do you fund the rehab budget in Manchester?
What credit score do I need for a Manchester fix and flip loan?
Can I refinance a Manchester flip into a rental loan?
Do I need flipping experience to get a hard money loan in Manchester?
How fast do Manchester houses sell?
Before you sign anything
Ready to fund your Manchester deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.