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Short-Term Rental · North Hampton, NH

Short-Term Rental Financing in North Hampton, NH

Estimated 0.57x DSCR on a $750,000 short-term rental with $187,500 down — qualified on the property's income, not your tax returns.

Modeled Purchase Price
$750,000
25% Down
$187,500
Loan Amount
$562,500
Est. Monthly PITIA
$5,810
Creditable STR Income
$3,330/mo
Est. DSCR Ratio
0.57x

Short-Term Rental investing in North Hampton

Short-term rental financing in North Hampton is a different underwriting product than a long-term DSCR loan even though it carries the same name. The lender is crediting nightly revenue instead of a signed lease, which means the documentation, the reserve requirement, and the permit diligence all change.

At the North Hampton median of $750,000, a short-term rental prices near $750,000. Minimum down is 25% ($187,500), leaving a loan of $562,500. Estimated all-in PITIA runs about $5,810 per month.

The North Hampton ratio math on this product

Gross nightly revenue in North Hampton models to about $4,625/month across a full year. Lenders do not credit that dollar-for-dollar — a 28% haircut for vacancy, cleaning, platform fees and management leaves $3,330 of creditable income. Against a PITIA of $5,810, that is an estimated DSCR ratio of 0.57x. That is below the 1.0 threshold, which is normal at this basis. Financing here works one of three ways — more money down, a no-ratio DSCR product, or qualifying on documented short-term rental revenue.

Underwriting notes specific to STR files: plan on 25% down as the floor, six months of PITIA in reserves, and either twelve months of Airbnb/VRBO earnings statements on the subject property or a third-party market revenue study for a property with no operating history. Short-term rental activity is moderate here and local rules vary by zoning district. Verify the permit status of the exact address before you go hard on earnest money — an unpermitted STR is an unfinanceable STR on this product.

Returns and structure

Return metrics at the North Hampton median for this product: an estimated cap rate of 2.93%, and monthly cash flow of $2,480 negative at 25% down. Negative cash flow at the minimum down payment is common in appreciation-led markets; investors close the gap with a larger down payment, a purchase below median, an added unit, or a rate buydown.

North Hampton property types compared

Property TypeModeled PriceMin. DownEst. IncomeEst. DSCR
Single-Family Rental$750,00020% ($150,000)$3,075/mo0.51x
2–4 Unit Multi-Family$1,185,00025% ($296,250)$5,720/mo0.62x
Condo & Townhome$540,00020% ($108,000)$2,429/mo0.50x
Short-Term Rental (this page)$750,00025% ($187,500)$3,330/mo0.57x

All figures model a purchase at the North Hampton median of $750,000 with the property-type adjustments described above, at an illustrative 7.50% DSCR rate on a 30-year fixed. Short-term rental income is shown after the standard lender haircut.

Figures on this page are modeled estimates derived from the North Hampton median price and market rent, adjusted for short-term rental product characteristics. They are illustrative, not a loan offer or an appraisal. Actual pricing, rent, taxes, insurance, HOA dues and DSCR depend on the specific property and on conditions at the time of application.

North Hampton Short-Term Rental FAQ

More North Hampton investor resources

North Hampton investor guide
Full market analysis and loan options
Single-Family Rental in North Hampton
0.51x est. DSCR
2–4 Unit Multi-Family in North Hampton
0.62x est. DSCR
Condo & Townhome in North Hampton
0.50x est. DSCR
Rockingham County investor hub
Every market we finance in the county
DSCR loan requirements in New Hampshire
DSCR payment calculator

Price a short-term rental in North Hampton

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