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Maine · Rental property loans

DSCR Loans in Maine

Long-term rental loans for Maine investors, qualified on the property's cash flow. No tax returns, W-2s or debt-to-income ratio, just the rent, the value and your credit.

PurchaseUp to 80% LTV
Cash-outUp to 75% LTV
Term30-year fixed
Income docsNone
Maine DSCR rental loansUp to 80% LTV · Up to 75% LTV2,000+ capital partners

DSCR Loans in Maine

Win-Win Capital Funding arranges DSCR loans across Maine through more than 2,000 capital partners. Our DSCR engine compares multiple lenders at once, so Maine investors see the best available rate for their credit, leverage and cash flow, whether they're buying their first rental or refinancing a portfolio.

Maine dscr loans programs

ProgramMax leverageTerm / notes
PurchaseUp to 80% LTV30-year fixed; interest-only options
Rate/term refinanceUp to 80% LTV30-year fixed
Cash-out refinanceUp to 75% LTV30-year fixed
Short-term rental (Airbnb)Up to 75–80% LTVProjected or actual STR income
No-ratio / DSCR under 1.0Lower leveragePriced on credit and LTV

What we finance in Maine

  • Single-family rentals, 2–4 unit properties, condos and townhomes
  • Short-term and vacation rentals
  • Purchases, rate/term refinances and cash-out refinances
  • BRRRR refinances after a rehab
  • LLC and corporate vesting
  • Portfolio and blanket loans for multiple rentals

Areas we serve in Maine

  • Augusta
  • Bangor
  • Lewiston
  • Portland
  • South Portland

We also lend in suburban, rural and resort markets throughout Maine.

More Maine financing

Fix & flip loans in Maine · Hard money in Maine · RV park financing in Maine · Business HELOC in Maine · Business second mortgage in Maine · Bridge Loans in Maine · Ground-Up Construction Loans in Maine · SBA 7(a) Loans in Maine

Investors in nearby states can see DSCR Loans in New Hampshire.

Terms are representative and subject to underwriting, appraisal and state availability. DSCR loans are business-purpose loans on non-owner-occupied property. This is not a commitment to lend.

Questions

DSCR Loans in Maine: FAQ

What credit score do I need for a DSCR loan in Maine?

Most DSCR programs in Maine start at 660–680. Higher scores get better rates and more leverage, and lower scores may qualify with less leverage.

What DSCR ratio do Maine lenders want?

1.0 means the rent exactly covers principal, interest, taxes, insurance and HOA. 1.20–1.25 or higher gets the best pricing, and no-ratio programs are available when the rent doesn't cover the payment.

Can I use a DSCR loan for a short-term rental in Maine?

Yes. Short-term rental DSCR loans use projected or actual short-term rental income. Check local Maine city and HOA rules on short-term rentals before you buy.

Can I close a Maine DSCR loan in an LLC?

Yes. LLC and corporate vesting is standard on DSCR loans, which are business-purpose loans on non-owner-occupied property.

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