What the numbers say
Investors in New Hampshire borrowed at a median rate of 7.49%, versus 6.75% for owner-occupants — a 74 bps premium that ranks 48th of 51 states.
Their applications were denied 20.3% of the time. The leading reasons for denial were debt-to-income ratio, collateral, credit history.
75% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 18% were cash-out refinances. The typical loan-to-value was 75%, implying about 25% down.