Jumbo Rates for Investment Properties in New Hampshire: Portfolio Specialist Advantage

Jumbo Rates for Investment Properties in New Hampshire: Portfolio Specialist Advantage

New Hampshire investors buying rental properties or vacation rentals (even above conforming limits) face different jumbo pricing than primary residence buyers. Understanding this difference can save thousands.

Investment Property Jumbo Challenges

• Debt-to-income limits: Stricter DTI caps (often 36–40% vs. 43–45% primary)
• Rate premiums: Usually 0.375–0.75% higher than owner-occupied
• Reserve requirements: Higher savings/reserves required
• Rental income calculation: Conservative treatment of potential rental revenue

Why Portfolio Lenders Win on Investment Jumbo

Portfolio lenders often:

• Underwrite more conservatively but close faster
• Accept cash reserves from business or portfolio
• Price rental income at actual current rates vs. standard multipliers
• Hold loans in-house (less regulatory pressure)

Example: $1.2M Rental in New Hampshire

• National jumbo lender: 7.50% (strict DTI, rental income at standard cap)
• Portfolio lender: 7.00% (flexible reserves, actual rental income review)

The portfolio lender sees your full financial picture and prices accordingly. National lenders use automated tiers that often penalize investors unfairly.

Bottom Line

If you’re buying a New Hampshire investment property above the $766,550 jumbo threshold, don’t accept the first jumbo offer. Compare portfolio specialists who understand rental property fundamentals.