New Hampshire Rental Cash Flow Calculator
Run cash flow projections for a New Hampshire rental property using the numbers that actually apply to it: purchase price, financing, and the specific property's annual tax bill. Enter a few details below and see the monthly and annual numbers before you make an offer.
The deal
Estimates only. Taxes vary enormously town to town in NH, and heat type changes both the bill and who pays it. Cash needed assumes your down payment plus roughly 2% in closing costs.
What goes into the projection
What this calculator actually uses
Purchase price, down payment, interest rate, and loan term set the estimated principal and interest payment. Financing varies by lender. If you are evaluating an investor loan, the guide to DSCR loans in New Hampshire explains how lenders compare rent with the full monthly payment.
Use the property's annual tax bill whenever you have it. New Hampshire has no single statewide property tax rate, and the difference between towns can change monthly cash flow by hundreds of dollars. The New Hampshire property tax rates guide explains how town rates and equalization ratios work.
Rent, vacancy, insurance, management, HOA dues, and other monthly expenses determine net operating income. Use realistic rent for the specific market. Review the approach for long-term rentals or check the additional town rules and seasonal risks for short-term rentals.
Calculator questions
What should go into a New Hampshire rental cash flow projection?
Purchase price, financing terms, the property's annual tax bill, realistic rent, vacancy, insurance, management, association fees, and recurring expenses. Leaving out the town-specific tax bill commonly makes a New Hampshire projection too optimistic.
Does this calculator use New Hampshire's actual property tax rates?
Enter the property's current annual tax bill from the listing, municipal record, or tax card. That keeps the projection specific to the property instead of relying on a statewide average that does not exist.
Is this the same as a lender's DSCR calculation?
It is closely related. A lender's debt service coverage ratio compares rental income with the loan payment, taxes, insurance, and applicable association dues. Each lender sets its own calculation and approval standards.
Loan program terms are set by individual lenders, vary widely, and move with the market. Nothing here is a quote, commitment, or offer of credit. This tool provides estimates only and is not a substitute for a lender's review or a CPA's tax analysis.
Want a second read on these numbers?
Send me the deal and I'll tell you what I see
Paste the address or the numbers you're working with. I'll come back with the rent comps, the real expense stack for that town, and what I'd want checked before an offer.