Hard Money Lenders in Nashua, NH | Fix & Flip | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard Money Lenders inNashua, New Hampshire

Fix and flip, DSCR rental and new construction financing for Nashua 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.

Get a term sheet →Price a Nashua deal

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO, October 2026

Price a Nashua deal right now

Prefilled with a realistic Nashua deal. Change any number and it reprices on the programs that lend in New Hampshire, with the same math as our term sheets.

Sizing your flip on the same terms as the term sheet. Get a real term sheet →

Financing a deal in Nashua

Nashua sits right on the Massachusetts border, close enough to Route 3 and the Boston tech corridor that a lot of buyers here work south of the line and live north of it for the taxes. The housing splits into two worlds. Close to downtown, French Hill and Crown Hill are mill era worker housing, two and three family buildings and narrow singles from around 1900, and the Tree Streets in the North End hold larger colonials and Victorians. Out past the center, the south and northwest sides are capes, garrisons, split levels and raised ranches built from the 1960s to the 1980s, plus a lot of condos.

Nashua is one of the quickest markets in New England, and the hard part is buying, not selling. Redfin has homes going under contract in a couple of weeks with about three offers each, so a flipper who waits on financing loses the house. Have the term sheet and proof of funds in hand before you write the offer. The rehabs split by era: the old in town stock needs heat, wiring, plumbing and porches, while the suburban split levels and raised ranches are mostly kitchens, baths, siding, windows and a basement finish.

What a Nashua deal looks like on paper

Nashua example: $380,000 purchase, $75,000 rehab, $640,000 after repair value, 700 credit, first flip. The engine puts that borrower on the First Flip, 10% Down program at 9.99%. Say a 1920s two story on the edge of French Hill with original wiring, a tired furnace, one dated bath and a kitchen that needs a full redo. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$409,500
Cash to close$71,692
Proof of funds to show$110,897
Where the $71,692 goes
  • Down payment (10% of purchase plus rehab)You$45,500
  • Origination (2.13%)Lender$8,702
  • Lender fees (flat)Lender$2,790
  • Broker fee (1%)Broker$4,095
  • Title and closing (estimate at Texas rates)Title$4,359
  • Prepaid interest (15 days)Lender$1,373
  • Property insuranceInsurer$4,323
  • AppraisalAppraiser$550

Interest while you rehab: $2,785 a month on the $334,500 funded at closing, $3,409 once every draw is out. Proof of funds is cash to close plus $18,750 of rehab reserve and $20,455 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.

Fix and flip programs in Nashua

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Experienced Investor Rate115% of purchase680+2+ completed flips9.00%0.75%75% of ARV12-24 months7-14 days
First Flip, 10% Down210% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips37.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips45% of purchase660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips50% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
  1. Rate and origination are the program floor; two completed projects in the last 36 months preferred.
  2. Rate 9.99% with 2% to 2.25% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  3. Rate 9.99% with 1.5% to 1.75% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  4. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  5. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% with 2% to 3% origination, set per file. Purchase plus rehab must fit under 70% of ARV.

Origination has a $2,000 minimum on most programs (a few lenders set a higher one, noted above) and our broker fee is 1% with a $2,000 minimum and a $10,000 maximum. These are the numbers our term sheets use as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

Where Nashua prices sit right now

Before we price a Nashua flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.

Redfin puts the Nashua median sale price at $540,000 over the three months through September 2026, up 5.8% from a year earlier, with homes selling in about 17 days, about three offers per home and 284 sales in September.

Median sale price, Nashua (Redfin, 3 months to Sep 2026)$540,000
Days on market, Nashua (Redfin)17
Average offers per home (Redfin)3
Homes sold in September 2026 (Redfin)284
Share of properties at severe 30-year flood risk (First Street via Redfin)5%

Sources: Redfin, Nashua NH housing market

How a Nashua file actually gets priced

Plenty of homes trade here, so an appraiser rarely runs short of comps. What moves the value is matching the product. A renovated garrison in the northwest and a gut rehabbed two family on French Hill sit in very different price bands even a mile apart, and condos are a separate market again. We value from finished sales of the same style and the same side of the city. For a two or three family we add the market rent for each unit, since the owner occupant buyer usually qualifies on part of it.

The Nashua and Merrimack rivers and Salmon Brook are where the water risk sits, and Redfin’s First Street data puts about 5% of Nashua properties at severe 30 year flood risk. Check the map near those banks before you buy. The other New Hampshire line item is the real estate transfer tax, charged to both buyer and seller, which a flipper pays on each end of the deal. Pre-1978 houses in the older neighborhoods need lead safe renovation practices, and permits go through the city’s building department.

Who buys your finished Nashua deal

The finished Nashua house sells to commuters, many working in Massachusetts and choosing New Hampshire for no state income or sales tax, and to local families moving up from a condo. They want move in ready: updated systems, a new kitchen, finished lower levels on the split levels. Multifamily on French Hill and Crown Hill sells to owner occupants using the rent and to investors, and with rents strong this close to Boston, holding one on a DSCR loan is a real option.

What happens after you apply

Apply once and the whole Nashua 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.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.

The full walkthrough is on how it works, and you can tour the borrower portal before you apply.

What we fund in Nashua

Fix and flip

10%down on a first flip
Rates
from 9.00% at 680+ credit with 2+ completed flips
With experience
0% down with 2+ completed flips, purchase plus rehab under 70% of ARV
Rehab
100% funded, paid in draws
Fix and flip loans in New Hampshire →

Rental (DSCR)

7.00%rates from, 30-year fixed
Qualify on
the rent, no W-2s or tax returns
Down
from 20% at 700+ credit
Good for
buy-and-hold, and the refinance when a flip becomes a rental
DSCR loans in New Hampshire →

New construction

95%of cost with a financed interest reserve, after 1 completed build
Rates
from 8.49% with 5+ completed builds
First build
85% of cost with a GC who has 5+ builds
Builds
single family to small multifamily
New construction loans in New Hampshire →

Where we lend in Nashua

We broker deals across the whole Nashua market. The submarkets investors ask us about most are French Hill and Crown Hill (03060), The Tree Streets and North End (03064), Downtown and Main Street (03060), South Nashua near the Massachusetts line (03062), Northwest Nashua off Route 130 (03063) and Southeast Nashua and Daniel Webster Highway (03060).

How long does a Nashua loan take to fund?

You send the address, purchase price, rehab budget and your ARV, which takes about five minutes and no credit pull. We take it to the lenders in our network that fit it and are licensed in New Hampshire, and the rate, origination, leverage and cash to close come back side by side. Plan on 7-14 days with completed flips and 21-30 days on a first flip. We stay on title and the lender through funding.

Nashua hard money FAQ

Do you lend hard money in Nashua?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Nashua scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in New Hampshire, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Nashua?
As of October 2026: Experienced Investor Rate (15% down, from 9.00%, 2+ completed flips); First Flip, 10% Down (10% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 100% Financing, 2+ Flips (100% financing when purchase plus rehab fits under 70% of ARV, from 9.50%, 2+ completed flips). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can a Nashua hard money loan close?
In New Hampshire, once the file is complete, the programs for investors with completed flips close in 7-14 days (10-14 on 5% down with 5+ flips, 21-30 on 7.5% down with 3+ flips) and a first flip on the 10% down program closes in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on a Nashua flip?
The worked example on this page is a $380,000 Nashua purchase with a $75,000 rehab and a $640,000 after repair value at 700 credit, first flip: $45,500 down (10% of purchase plus rehab) and $71,692 total cash to close, with $110,897 of proof of funds to show the lender. Investors with a track record can go to 0% down (100% financing) from 9.50% at 620+ credit with 2+ completed flips, when purchase plus rehab fits under 70% of ARV, and you still bring the closing costs in cash. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Nashua?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for a Nashua fix and flip loan?
The lowest credit floor among the Nashua programs is 620, on 100% financing (under 70% of ARV) with 2+ completed flips. A first flip needs 660 or higher. The lowest rate here, 9.00%, needs 680+ credit and 2+ completed flips. Depending on the program, origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance a Nashua flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Nashua flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
Can I finance a first flip in Nashua?
Yes. In New Hampshire a first flip can be priced at 10% down with 660+ credit (from 9.99%). The worked example on this page is priced as a first deal, so the numbers you see are what a newer investor would get. Programs that need completed flips: 15% down from 9.00% with 2+ flips; 7.5% down from 9.99% with 3+ flips; 5% down from 9.99% with 5+ flips; and 100% financing from 9.50% with 2+ flips when purchase plus rehab fits under 70% of ARV.
How competitive is buying a flip in Nashua?
Very. Redfin rates Nashua very competitive, with homes selling in about 17 days and drawing around three offers each over the three months through September 2026. Price the deal with us before you offer so your proof of funds and closing date are ready when the seller picks.
Micah Foster
Micah Foster
Founder & CEO, Capital Kings LLC
Micah brokers Non-QM and hard money loans for real estate investors across 38 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.

What to read before you sign a term sheet

Hard money near Nashua: Manchester, Lowell, Concord and Boston. More New Hampshire city guides: Dover and Rochester. Or see everything we fund in New Hampshire.

Ready to fund your Nashua deal?

Submit your scenario in about 5 minutes. We shop it and come back with real terms, not a generic rate sheet.

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