DSCR Financing in ME
DSCR Loans in Maine
Portland's harbor appreciation, Bar Harbor STRs near Acadia, and Lewiston mill-town cash flow. Maine is a tiny but real DSCR market with four distinct strategies.
Local Market Context
Investor Markets in Maine
Portland
The state's primary investor market with strong rental demand and harbor-district appreciation.
Bangor
Affordable SFR cash flow in eastern Maine with university rentals.
Lewiston
Mill-town workforce housing and small multifamily at low entry prices.
Bar Harbor
Acadia-adjacent STR market with strong summer occupancy.
Common Properties
What Investors Finance in Maine
- ✓Portland SFR and small multifamily rentals
- ✓Bar Harbor and MDI STRs
- ✓Lewiston and Bangor cash-flow SFRs
- ✓Small multifamily in Portland's Munjoy Hill and West End
Property Types
DSCR Property Eligibility
Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.
Refinance optionsPurchase optionsProgram Paths
Current DSCR Options in Maine
Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.
Program 3
Completed Rehab
A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.
Program 1
Small Balance
Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.
Program 7
Low / No FICO, No Minimum DSCR
Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.
80% cash-out can be available in Maine. Program 3 can reach up to 80% cash-out LTV at 680+ FICO in this state, subject to DSCR, property type, value, loan size, and other overlays.
Maine DSCR FAQ
Does Get Brick Capital offer DSCR loans in Maine?
Yes. Maine is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.
Is Program 7 available in Maine?
Yes. Program 7 can be available in Maine for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.
Do I need W-2s or personal tax returns?
DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.
Can I close the loan in an LLC?
Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.
See Your Maine DSCR Options
No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.