Funding a Flip in Manchester, Nh. W… AI recommendations | Parse
Funding a flip in Manchester, NH. Who is the best hard money lender with competitive terms?
Data as of Sep 24, 2026 · Based on 342 AI responses from ChatGPT Search and Google AI Mode · See how Parse measures this
For house flips in Manchester, NH, several lenders stand out depending on your specific needs. Ridge Street Capital is noted for high-leverage financing, covering up to 90% of purchase and 100% of rehab costs. Easy Street Capital is recommended for fast 48-hour closings and no appraisal requirements. is a highly regarded local NH lender known for its personal service and fast funding for projects up to $3 million.
Best for those seeking a local New Hampshire partner, they provide fast, direct funding for projects up to $3 million and are recognized for their regional market expertise and quick pre-approvals.
Ideal for speed-focused investors, they offer 48-hour closings and a program that frequently requires no appraisals, which helps maintain high momentum in competitive real estate markets.
Best for investors needing high leverage, this lender provides up to 90% of purchase costs and 100% of rehab fees, with interest rates starting at approximately 10.5%.
When looking for a competitive hard money lender for a fix-and-flip in Manchester, NH, you have a mix of active national/regional private lenders and localized capital sources that service the Granite State. "The best" lender depends heavily on your experience level, liquidity, and whether you need high leverage (LTC) or the lowest possible interest rate.
Top hard money lenders active in the New Hampshire market include:
Easy Street Capital : Highly active statewide in New Hampshire, including Manchester. They are popular for offering high-leverage fix-and-flip programs (up to 93% of Loan-to-Cost / LTC and 75% of After Repair Value / ARV), making them ideal if you want to preserve your cash on hand for heavy renovations.
Insula Capital Group : Frequently features dedicated fix-and-flip and new construction financing targeting Manchester’s localized market. They cater to real estate investors looking for asset-based approval, quick funding turnarounds, and flexible draw schedules for rehabs.
Ridge Street Capital : A strong regional/national option if you have some experience under your belt (e.g., 3+ completed flips). Their "Fix and Flip Loan Pro" program offers competitive terms covering up to 90% of the purchase price and 100% of the rehab costs, with rates typically ranging from 10.75% to 11.5%.
Local Portfolio/Commercial Lenders : Don't count out regional mutual savings banks or local credit unions in Hillsborough County (such as St. Mary's Bank , headquartered right in Manchester). While they aren't traditional "hard money" (they require more documentation and seasoning), local portfolio lenders often beat hard money interest rates significantly if you have strong local credit and a clear track record.
To help narrow down the ideal partner for your specific project, tell me:
What is your estimated purchase price and rehab budget?
How many previous flips have you completed?
What kind of timeline are you working with for closing?
For a Manchester, NH flip, I’d get at least 3 term sheets rather than assuming one lender is cheapest. Current advertised pricing varies substantially by borrower experience, leverage, and deal quality.
Lenders I’d put on the quote list
Kagan Lending LLC — Local Manchester direct lender. They say they lend their own money, typically close in two weeks or less, don't charge appraisal/underwriting/site-inspection “junk fees,” and service their own loans. They don't publish a rate sheet, so you'd need a deal-specific quote.
New Silver — The most transparent published pricing I found: 8.5%–11% interest, 1%–1.75% origination, up to 90% LTC and 100% of construction costs, with loans up to $5M. Their published program allows up to 75% ARV and 12-month terms, with extensions possible.
— Manchester-based private/hard-money lender focused on NH/ME/MA, including purchase-plus-rehab financing. This is another local quote I'd obtain, particularly if the property has anything unusual.
What I'd consider competitive right now
For a normal Manchester single-family flip with a good borrower and clean deal, I'd use roughly this as a negotiation benchmark:
Term
Competitive target
Interest
~9–11%
Origination
1–2 points
LTC
85–90%+
Rehab
100% financed
ARV
≤75%
Term
Those aren't guarantees; they're benchmarks based on currently advertised NH programs. For example, New Silver is currently advertising 8.5–11%/1–1.75%, while another NH lender's published Manchester transaction shows 10.75% and 2.25 points at 90% purchase financing plus 100% rehab.
My practical approach: send the exact same deal package to Kagan, New Silver, and one other local lender and ask each for a written term sheet. Compare total dollars paid, not just the rate—points, draw fees, extension fees, appraisal/inspection costs, minimum interest, and whether interest is charged on undrawn rehab funds can easily outweigh a 50-bp rate difference.
If you give me purchase price, rehab budget, expected ARV, your approximate credit score, number of previous flips, and desired closing date, I can run the financing economics and tell you what terms I'd try to negotiate for that specific Manchester deal.
For a fix-and-flip project in Manchester, NH , some of the best hard money lenders offering competitive terms, high leverage, and fast closing include national specialists active in New Hampshire like Kiavi, Easy Street Capital , and regional experts like Cambridge Home Loan.
Choosing the "best" lender depends on whether you prioritize lowest interest rates, maximum leverage for purchase and rehab, or closing speed.
Top Hard Money Lenders for Manchester, NH
Kiavi : Best for streamlined digital processes and fast turnarounds. They offer fix-and-flip loans starting around 7.45%+ APR, funding up to 95% of the purchase price and 100% of the rehab costs (capped at up to 80% of the After Repair Value), with closes as fast as 7 days.
Easy Street Capital : Best for flexible investment property financing across New Hampshire. They provide competitive bridge, new construction, and fix-and-flip financing with high loan-to-cost (LTC) leverage up to 93%.
Cambridge Home Loan : Well-versed in the New Hampshire local market (including Manchester, Nashua, and Concord). They offer leverage up to 95% LTC (90% purchase, 100% rehab, 75% ARV) with rates starting around 7.875% and funding speeds as fast as 5 days.
Typical Market Terms in Manchester, NH
Metric
Average / Range
Interest Rates
7.45% – 11.5%
Origination Fees
1.0 – 3.0 points
Max Leverage (LTC)
Up to 90% – 95% purchase / 100% rehab
Loan Term
12 to 18 months
If you want to narrow this down, let me know:
Your experience level (number of previous flips)
Estimated purchase price and rehab budget in Manchester
Whether you have a contract on a property yet
I can help match you with the precise lender tier that fits your deal structure.
New Silver - 155 Fleet St #303, Portsmouth, NH 03801, United States
Cornerstone Commercial Capital Inc. - 68 Sagamore St, Manchester, NH 03104, United States
Better Business Lenders - Leesburg, NH 03103
Cascade Home Loans - 127 Rockingham Rd Ste 202, Windham, NH 03087, United States
Insight Mortgage Corp. - 66 Hanover St Ste 302, Manchester, NH 03101, United States
Matt Vance-Precision Lending - 264 S River Rd, Bedford, NH 03110, United States
The Raymond C. Green Companies Hard Money Lenders - 100 Grandview Rd #100, Braintree, MA 02184, United States
Boston Trust - Private Lender of Hard Money Loans - 100 Hallet St, Boston, MA 02124, United States
Omni Mortgage Company Inc. - 224 Main St Ste 1A Suite 1a, Salem, NH 03079, United States
Universal Capital - 40 Pleasant St, Portsmouth, NH 03801, United States
New American Funding - Paul Godbout - 111 Front St, Manchester, NH 03102, United States
Cardinal Capital Group - 4 Clarendon St Unit 4, Boston, MA 02116, United States
For a Manchester, NH fix-and-flip, I’d put Kagan Lending and PML (Private Money Lending) at the top of the list, with Ridge Street Capital as a strong third quote. The “best” lender depends heavily on your experience, purchase price, rehab, ARV, and how much cash you want to bring.
My shortlist
Kagan Lending LLC — best local/relationship option. They’re based in Manchester, lend their own money in NH/MA/ME, underwrite in-house, service their own loans, and say they typically close in two weeks or less without junk fees. Their advantage is local decision-making and a straightforward fee structure.
PML — best published pricing/leverage I found. They advertise NH fix-and-flip loans from 8.99%, up to 92.5% of project cost, 100% of rehab, weekly draws, no application fee, and no prepayment penalty. Their best advertised rate requires 3+ flips in 36 months, so don't assume you'll get 8.99%.
Ridge Street Capital — very competitive leverage. They show a Manchester example at 10.75%, 2.25 points, 90% of purchase + 100% rehab, 12-month term, with a stated 7–14 day average closing time.
— good national benchmark. Current Manchester-market data shows roughly , up to 80% LTV, and $75K–$3M loans. I'd use them as a competing quote even if you ultimately prefer a local lender.
What I'd target
For a solid Manchester deal, I'd try to negotiate toward:
Published Manchester/NH offerings currently span considerably wider: roughly 9%–13.5%, with 1.5–3 points being common depending on the borrower and deal.
The important thing is not to compare rate alone. A 10.5%/1.5-point loan can easily beat a 9.5%/3-point loan, especially on a short 4–6 month flip.
If it were my deal
I'd send the same deal package simultaneously to Kagan, PML, and Ridge Street and ask each for a written term sheet. That gives you a meaningful apples-to-apples negotiation.
If you give me your purchase price, rehab budget, ARV, expected hold period, your credit score, and number of previous flips, I can run the numbers and tell you which lender structure is likely to leave you with the most cash/profit.
When funding a fix-and-flip in Manchester, NH, "the best" lender depends heavily on your experience level, how fast you need to close, and whether you prefer a local regional boutique or a large national private lender.
Top options active in the New Hampshire market that offer competitive leverage and terms for residential flips include:
Easy Street Capital
Overview: A prominent nationwide direct lender active across New Hampshire, including Manchester and Concord. Known for high leverage and streamlined processing.
Competitive Terms: Offers fix-and-flip financing up to 93% of Loan-to-Cost (LTC) and up to 75% of After Repair Value (ARV).
Best For: Investors looking for maximum leverage and reliable national backing with local market familiarity. Details can be reviewed directly at Easy Street Capital.
Kagan Lending LLC
Overview: A localized, highly-rated asset-based private lender serving New Hampshire, Massachusetts, and Maine. Because they focus heavily on New England, they understand hyper-local Manchester neighborhood values (like the North End vs. the West Side) better than a distant national call center.
Competitive Terms: Custom asset-based structuring, fast closing timelines, and personalized underwriting based on deal fundamentals.
Best For: Investors who want a direct relationship with regional decision-makers. You can check their background via Kagan Lending.[1]
Ridge Street Capital
Overview: A robust regional/national private lender offering targeted programs for New England real estate investors.
Competitive Terms: Their Fix and Flip Loan Pro program for experienced flippers covers up to 90% of the purchase price and 100% of the rehab costs, with interest rates typically ranging from 10.75% to 11.5% and origination starting around 2%.
Best For: Intermediate-to-experienced flippers (3+ completed projects) looking for high rehab fund coverage. Terms can be looked over at Ridge Street Capital.
Local Portfolio Lenders / Private Brokers
Overview: Working with local New Hampshire commercial brokers (such as local contacts around Hillsborough County) can sometimes connect you with local high-net-worth individuals or regional portfolio banks who will underwrite a local flip with lower origination fees than institutional hard money.
To help narrow down the best fit, tell me:
What is your level of experience (e.g., first-time flipper vs. 5+ completed projects)?
What is the estimated purchase price and rehab budget for the Manchester property?
Cornerstone Commercial Capital Inc. - 68 Sagamore St, Manchester, NH 03104, United States
Better Business Lenders - Leesburg, NH 03103
Cascade Home Loans - 127 Rockingham Rd Ste 202, Windham, NH 03087, United States
New Silver - 155 Fleet St #303, Portsmouth, NH 03801, United States
The Raymond C. Green Companies Hard Money Lenders - 100 Grandview Rd #100, Braintree, MA 02184, United States
Boston Trust - Private Lender of Hard Money Loans - 100 Hallet St, Boston, MA 02124, United States
Omni Mortgage Company Inc. - 224 Main St Ste 1A Suite 1a, Salem, NH 03079, United States
Universal Capital - 40 Pleasant St, Portsmouth, NH 03801, United States
Insight Mortgage Corp. - 66 Hanover St Ste 302, Manchester, NH 03101, United States
Cardinal Capital Group - 4 Clarendon St Unit 4, Boston, MA 02116, United States
New American Funding - Paul Godbout - 111 Front St, Manchester, NH 03102, United States
For a Manchester, NH fix-and-flip, I’d shop this as a competitive bid rather than automatically choosing the lender with the lowest advertised rate. Based on current published terms, PML and Ridge Street Capital look strongest on leverage/pricing, while a local lender such as Cornerstone Commercial Capital may be worth getting a quote from for local execution.
My shortlist
PML (Private Money Lending) — best apparent pricing if you have experience. They advertise NH fix-and-flip rates starting at 8.99% for experienced flippers, up to 92.5% of project cost and 100% of rehab, with no prepayment penalty and very fast closings. Their published Manchester example was 9.25% on a $219K loan.
Ridge Street Capital — best balance of leverage + transparent terms. Current NH terms show roughly 10.5–11.25%, origination from 2%, up to 90% of purchase + 100% rehab, and up to 75% LTARV. They specifically document a Manchester deal funded at 90% purchase + 100% rehab.
Granite State Hard Money — worth quoting because it's Manchester-focused. Published terms show 10–13%, up to 85% LTV, $100K–$2M loans, and roughly 7–12 day closings.
Inc. — a that specifically finances purchases plus rehab for investors. I would absolutely include them in the quote process, although I couldn't find equally transparent current rate/point information online.
What I'd target
For a reasonably experienced flipper with a good Manchester property, I'd try to negotiate toward:
Term
Target
Rate
9–10.5%
Points
1–2 points
Purchase financing
85–90%
Rehab
100% funded
Max LTARV
≤75%
Term
For comparison, broader NH data currently puts average fix-and-flip pricing around 11.5% and 2.7 points, with typical LTV around 73%, so getting something materially better than that is realistic for a strong deal/borrower.
My first three calls would be PML, Ridge Street, and Granite State, then I'd use their term sheets to negotiate with a local lender. The all-in cost matters much more than the headline rate—especially points, minimum interest, draw fees, appraisal/inspection fees, extension fees, and whether interest accrues only on drawn rehab funds.
If you give me purchase price, rehab budget, expected ARV, your credit score, and how many flips you've completed, I can run the deal and tell you which lender structure is likely cheapest and how much cash you'd need to bring to closing.
For a Manchester, NH fix-and-flip, I’d put Lima One Capital and Kiavi at the top of the list, with a local/private lender as the third quote. The best choice depends heavily on your experience, leverage needs, and the specific deal.
My shortlist
Lender
Published terms
Why I’d consider them
Lima One Capital
Rates as low as 7.25%, up to 95% LTC / 75% LTARV, 100% rehab, 13/19/24-month terms
Best overall starting point if you want high leverage and flexible structure
Kiavi
Rates as low as 7.75%, $100K–$5M, up to 100% purchase + 100% rehab, up to 80% ARV, 12/18/24 months
Excellent online/fast-execution option
New Silver
Public Manchester comparison shows rates from about 9.50%, up to 80% LTV, $75K–$3M
Worth getting a competing quote, particularly if speed matters
Granite State Hard Money
Public Manchester listing shows 10%–13%, up to 85% LTV, $100K–$2M
Interesting local option, but I'd want to see the actual term sheet before ranking it above the national lenders
Lima One's current FixNFlip program is particularly compelling: up to 95% LTC, 75% LTARV, 100% of the rehab budget, interest-only payments, and 13-, 19-, or 24-month terms. They also advertise rates starting at 7.25%.
Kiavi currently advertises fix-and-flip rates starting at 7.75%, loans from $100K to $5M, up to 100% of purchase price and rehab costs, and up to 80% of ARV.
One caution: don't choose based on the advertised interest rate alone. Lima One explicitly says advertised rates are starting/best-case figures and actual pricing depends on credit, experience, LTC/LTV, property, ARV, loan size, term, and exit strategy.
What I'd negotiate
For a Manchester deal, I'd ask each lender for the same exact quote and compare:
Interest rate
Origination points
Maximum LTC and LTARV
How much rehab they fund
Whether interest is charged on drawn funds or the full commitment
Draw fees and draw turnaround
Appraisal/valuation fees
Extension fee and extension rate
Prepayment penalty
Minimum interest period
Personal guarantee
Recourse vs. non-recourse
Closing timeline
Whether they'll fund overruns
Whether the lender will lend on the specific Manchester property/ARV
The difference between, say, 8% with 2 points and 9% with 1 point can be much smaller than it looks once you calculate the actual dollars and expected hold period.
My pick
I'd start with Lima One, then make Kiavi compete against their quote. Lima One's combination of 95% LTC + 75% LTARV + 100% rehab funding is particularly attractive if you're trying to preserve cash for the next project.
If you give me the purchase price, estimated rehab, ARV, your credit score, number of flips you've completed, and how much cash you want to put in, I can run the deal and tell you which lender structure is likely to produce the best return—and what rate/points I'd try to negotiate.
One caution: don't choose based on the advertised interest rate alone. Lima One explicitly says advertised rates are starting/best-case figures and actual pricing depends on credit, experience, LTC/LTV, property, ARV, loan size, term, and exit strategy.
What I'd negotiate
For a Manchester deal, I'd ask each lender for the same exact quote and compare:
When funding a fix-and-flip in Manchester, NH, "the best" lender depends heavily on your experience level, credit score, and whether you prefer a hyper-local private lender or a regional/national capital provider with automated underwriting. Manchester's stable market (fueled by commuter demand and strong local inventory needs) makes it very attractive to a wide array of lenders.
Top options and competitive terms for funding a flip in the area include:
Local & Regional Private Lenders (Best for Relationship-Driven Terms)
Kagan Lending LLC: A regional private asset-based lender serving New Hampshire, Massachusetts, and Maine. Because they understand local market nuances (like Hillsborough County property values, neighborhood variations in Manchester, and local contractor pricing) rather than relying strictly on rigid national formulas, they are a great boutique choice to Kagan Lending LLC for customized terms.[1]
Ridge Street Capital: Highly active across New Hampshire with transparent tier-based leverage.
Terms: Up to 90% Loan-to-Cost (LTC) and 100% of rehab costs for experienced borrowers with 720+ credit; scaling down for lower credit tiers. Max 75% After-Repair Value (ARV). Rates typically run around 10.5% to 10.75% with origination starting at 1.5%. Check details via Ridge Street Capital Hard Money New Hampshire.
National/Statewide Direct Lenders (Best for Speed and High Leverage)
Easy Street Capital: Extensively active statewide in New Hampshire, including Manchester and Concord. They are known for high-leverage fix-and-flip programs.
Terms: Up to 93% Loan-to-Cost (LTC) and 75% of After-Repair Value (ARV) for residential flip projects. Review program guidelines at Easy Street Capital New Hampshire Loans.
Renovo Financial / Asset Based Lending LLC: Both are frequently active regional/private lenders in the New England fix-and-flip space offering reliable draw management and fast closings, which is critical when competing for multi-family or single-family properties in Manchester’s competitive pockets.
Typical Competitive Benchmarks to Expect in NH:
Interest Rates: 10% – 11.5% (interest-only payments during the rehab period).
Origination Points: 1.5% – 2.5% of the loan amount at closing.
LTC / LTV: 80% to 90% of the purchase price + 100% of the renovation budget, capped usually at 65%–75% of the ARV.
To help narrow down the best specific fit, let me know:
What is your experience level (number of completed flips)?
Approximately what is your credit score and the estimated purchase + rehab budget?
For a fix-and-flip project in Manchester, New Hampshire, Easy Street Capital and Kiavi are among the top competitive national hard money lenders operating statewide in New Hampshire. Local private lenders like Noble Group and Cornerstone Commercial Capital also actively fund deals in the local Manchester market.
Top Hard Money Lenders for Manchester, NH
Easy Street Capital : Excellent for speed and high leverage, offering fix-and-flip loans up to 93% of LTC (Loan-to-Cost) and 75% of LTV (Loan-to-Value) with quick 48-hour turnarounds.
Kiavi : Highly competitive for experienced flippers, featuring rates starting around 7.45%+ APR, fast 7-day closes, and seamless digital draw requests.
Noble Group : A prominent regional private lender active in New Hampshire transactions, ideal if you prefer a lender with boots-on-the-ground local market knowledge in Hillsborough County.
Typical Loan Terms to Expect
Metric
Average / Range
Interest Rates
7.5% – 12% APR
Origination Fees
1.5% – 3% of loan amount
Max LTV / LTC
Up to 70-75% LTV / 90-93% LTC
Loan Term
12 to 36 months
If you'd like to narrow this down, please tell me:
What is your experience level (number of completed flips)?
What is the purchase price and estimated rehab budget for the Manchester property?
New Silver - 155 Fleet St #303, Portsmouth, NH 03801, United States
Cornerstone Commercial Capital Inc. - 68 Sagamore St, Manchester, NH 03104, United States
Guild Mortgage - Marleen Paquette - 1750 Elm St Ste 803, Manchester, NH 03104, United States
Omni Mortgage Company Inc. - 224 Main St Ste 1A Suite 1a, Salem, NH 03079, United States
Guild Mortgage Company - 1750 Elm St Suite 806, Manchester, NH 03104, United States
Matt Vance-Precision Lending - 264 S River Rd, Bedford, NH 03110, United States
Ian Robinson | HMA Mortgage | NMLS 1632537 - 650 Elm St Ste 600, Manchester, NH 03101, United States
Sachem Lending - 3254 SE Fairway E, Stuart, FL 34997, United States
Better Business Lenders - Leesburg, NH 03103
Guild Mortgage - David Johnson - 1750 Elm St Ste 803, Manchester, NH 03104, United States
Advantage Home Loans, LLC - 167 S River Rd Unit 1, Bedford, NH 03110, United States
Insight Mortgage Corp. - 66 Hanover St Ste 302, Manchester, NH 03101, United States
If you’re funding a fix-and-flip in Manchester, NH, I’d shop the deal with 3 lenders rather than assume one is cheapest. The published market is competitive right now: roughly 9–12% interest and 1–3 points, with stronger borrowers/deals getting the better end.
Manchester-based private lender at 68 Sagamore St.
Focuses on short-term commercial/real-estate investment financing and has local Manchester-area project experience.
I would use them as the local relationship lender to see whether they can beat the national platforms on points, draw terms, or flexibility.
What I'd consider a "good" Manchester deal
For a solid borrower with a straightforward SFR flip, I'd target approximately:
Term
Target
Rate
≤10.5%
Points
≤2.0
Purchase financing
85–90%
Rehab
100% funded
Max LTC
~90%
Max LTARV
The important thing is not to compare rate alone. A 9.5% loan with 3 points and expensive draws can easily be worse than a 10.25% loan with 1 point.
For context, current Manchester data puts the broader market around 11.9% average interest, 2.5 points and 74% LTV, so offers materially better than that are worth pursuing.
If you give me your deal, I'll tell you who I'd use
Send me:
Purchase price
Rehab budget
Expected ARV
How many flips you've completed
Approx. credit score
Desired closing date
How much cash you want to put in
I'll run the PML vs. Ridge Street vs. New Silver/local lender economics and tell you what terms I'd negotiate for, including the maximum price you should pay for the property.
The important thing is not to compare rate alone. A 9.5% loan with 3 points and expensive draws can easily be worse than a 10.25% loan with 1 point.
For context, current Manchester data puts the broader market around 11.9% average interest, 2.5 points and 74% LTV, so offers materially better than that are worth pursuing.
If you give me your deal, I'll tell you who I'd use
Unique Capital LLC — Derry-based investor lender/broker with fix-and-flip financing and renovation funding. Worth getting a competing quote, particularly if you want high rehab leverage.
12 months
Payments
Interest-only
Prepayment penalty
None
Closing
~7–14 days
New Silver
9.5%–13.5%
Cornerstone Commercial Capital Inc. — worth getting a local quote. They're actually in Manchester and focus on private/hard-money financing for NH/ME/MA investors, including purchase + rehab financing.
Cornerstone Commercial Capital
local Manchester private/hard-money lender
Kagan Lending LLC — another local Manchester-area option positioning itself as a direct lender that underwrites, funds and services its own loans across NH/MA/ME.
9–12 months
Prepayment
None
Extension
Reasonable fixed fee, not punitive
Draws
Weekly/rapid inspection turnaround
Closing
7–10 business days
≤75%
Term
9–12 months
Extension
6–12 months available
Prepay
None
Draws
Weekly/biweekly, preferably no junk draw fees
Closing
7–14 days
Follow how AI answers questions like this in Hard Money Lending Services.
Easy Street Capital : Highly active statewide in New Hampshire, including Manchester. They are popular for offering high-leverage fix-and-flip programs (up to 93% of Loan-to-Cost / LTC and 75% of After Repair Value / ARV), making them ideal if you want to preserve your cash on hand for heavy renovations.
Insula Capital Group : Frequently features dedicated fix-and-flip and new construction financing targeting Manchester’s localized market. They cater to real estate investors looking for asset-based approval, quick funding turnarounds, and flexible draw schedules for rehabs.
