HARD MONEY LENDER NEW HAMPSHIRE

Yes, we fund investor deals anywhere in New Hampshire, Manchester, Nashua, Concord, Dover and Rochester included. Loan Goat is veteran-owned, direct, and funded with in-house capital out of a single San Diego office, having placed over $1.5B in 46 states. Distance slows nothing down. Terms come from the decision maker, and signing happens near the property you are buying, not out west.

Yes, three-family and larger multifamily in Hillsborough County is core collateral for us. A stabilized building fits our DSCR rental program and qualifies on its own rents. A vacant or half-renovated one fits bridge or fix and flip financing until it performs. Larger apartment and mixed-use assets move into our commercial or business purpose bridge programs, which reach up to $25,000,000.

Yes, seasonal and short-term rental property is standard business-purpose collateral. A cottage or ski-area condo that needs renovation starts on a rehab loan, then moves to DSCR rental financing once the calendar starts filling. We size the loan on the property, the projected income and your exit, not on how your accountant structured last year.

Yes, we lend in Dover, Rochester and across the wider Strafford County market. Student-adjacent rentals, Seacoast workforce housing and older Colonials that need a real rehab all qualify. Bridge and fix and flip loans cover the work, DSCR rental loans take them out long term, and second mortgages pull equity from property you already hold. Call (619) 617-2797 to size a deal.

Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.

Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.

No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.

Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.