Maine DSCR Loans
DSCR loans in Maine by Easy Street Capital: Rates from 5.75%, up to 80% LTV for purchases/refis, 75% cash-out, no min DSCR. Lending statewide, including Portland and Bangor.
EasyRent is our tailored and industry-leading DSCR Loan solution for Maine real estate investors. Whether you are acquiring property to expand your portfolio or cashing out your capital in a refinance, we have a loan for you. Our DSCR Lending Program has solutions for anyone – from first-time investors to industry veterans looking to rapidly scale their portfolios. We are confident we can find you a great Maine DSCR loan in a quick, efficient and easy process. Click the button below and get started today!
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What is a DSCR Loan?
A DSCR Loan is a mortgage loan for a residential income-producing property. It is primarily based on the “Debt Service Coverage Ratio” or the cash flow of the property, rather than the borrower’s income. A traditional mortgage loan will require income verification, tax returns and a “Debt-to-Income” (DTI) ratio. DSCR Loans require none of these! Perfect for real estate investors ready to scale (no more W2!) or are looking leave behind the hassle, paperwork and headaches of conventional financing, DSCR Loans are quickly becoming the go-to loan option for real estate investors.
For a comprehensive definition, “DSCR Loans are mortgage loans secured by residential real estate turnkey properties strictly used for a business purpose and underwritten primarily based on the property.”
DSCR Loan Definition Breakdown
- Mortgage Loans = form of loan that is secured by collateral, collateral = real estate
- Residential Real Estate = properties used for people to live in vs. commercial, which is used to operate businesses (offices, retail, industrial, hotel, self-storage, etc.). In real estate finance, residential also typically refers to “1-4 unit” properties, anything more would be considered “multifamily”
- Business Purpose = DSCR loans strictly do not allow the owner of the property to live in the property, it must be used for “business” or investment purposes. Includes use of “cash-out proceeds”
- Underwritten = How lender evaluates (and then prices) the risk of the loan
- Primarily Based on Property = Mostly based on property, but also look at sponsor
- Turnkey = property doesn’t require any renovation, “turn the key and go”
Looking to get a deeper understanding of all things DSCR? Check out our DSCR Loans Guide below!
Maine Recent DSCR Fundings
Real Investments. Real Results.
Real estate investors in The Pine Tree State are turning to DSCR Loans as a strategic tool to expand and manage their investment property portfolios. DSCR loans allow investors to secure financing based on the property's ability to generate income (rather than an investor's individual credit profile). In a market like Maine, where real estate prices have shown steady growth and rental demand remains steady, DSCR loans offer investors a flexible and effective means to acquire new properties, improve existing ones, or refinance their assets. Easy Street Capital is proud to be a leading provider of DSCR loans for Maine real estate investors looking to build rental portfolios! Check out our most recently funded DSCR loans in Maine below:
Single-Family Residence
Trenton, ME
$435,867 Maine DSCR Rental Loan for a Cash-Out Refinance of a rental property in Trenton. This property has been freshly updated with about $20,000 in improvements, including new gutters, interior paint, a new water heater, and a water filtration system—enhancing both comfort and long-term value. Its location near key amenities and its active short-term rental status make it especially attractive for investors seeking dependable demand and strong income potential.
Triplex
Westbrook, ME
$461,250 Maine DSCR Rental Loan for an Acquisition of a rental property in Westbrook. Located in the heart of downtown Westbrook, this triplex offers walkable access to shops, restaurants, and the scenic Presumpscot River Walk. Two of its three units are already leased through 2026, providing immediate rental income in a vibrant, historic setting.
PUD
Sandy River Plantation, ME
$391,300 Maine DSCR Rental Loan for a Cash-Out Refinance of a rental property in Sandy River Plantation. This charming cape-style home has stunning new wood wall finishes, luxury vinyl plank flooring, and a modern kitchen with stainless steel appliances, perfect for cozy gatherings. Located near Rangeley Lake and Sugarloaf Mountain Ski Resort, it offers an ideal retreat for outdoor enthusiasts and has proven popular as a recently built short-term rental.
Single-Family Residence
East Boothbay, ME
$431,250 Maine DSCR Rental Loan for an Acquisition of a rental property in East Boothbay. This residence offers breathtaking ocean views and embodies the tranquil charm of New England. Located just three miles from downtown Boothbay Harbor’s vibrant shops, restaurants, and galleries, it provides a serene retreat with easy access to dining and entertainment.
Single-Family Residence
Skowhegan, ME
$110,500 Maine DSCR Rental Loan for a Cash-Out Refinance of a rental property in Skowhegan. This home has been fully updated with new flooring, trim, light fixtures, tile, and fresh paint throughout. Its prime location offers easy access to downtown Skowhegan’s shops, restaurants, and community events, as well as the scenic Kennebec River, perfect for fishing and kayaking.
Duplex
Brunswick, ME
$415,250 Maine DSCR Rental Loan for a Cash-Out Refinance of a rental property in Brunswick. This property is in like-new condition and is located in a suburban neighborhood only 1.5 miles south of downtown Brunswick.
Single-Family Residence
Albany Township, ME
$400,000 Maine DSCR Rental Loan for a Cash-Out Refinance of a rental property in Albany Township. Situated in the heart of the White Mountains National Park, a few miles from Sunday River Ski Resort which is one of Maine’s premier Ski Destinations, and a few miles away from the charming small town Bethel Village which offers a selection of retail shops and restaurants.
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