DSCR loans in Maine.
Qualify on the property's rental income — not your tax returns. Close in an LLC. 20–25% down. Long-term and short-term rental friendly across Maine.
Portland and the coastal STR corridor (Bar Harbor, Kennebunkport) are the main DSCR plays.
Top Maine DSCR markets
Maine rental markets by county
30 Maine markets, grouped into 7 county hubs. Open a county for its city-by-city rent, payment and DSCR numbers.
More Maine markets
DSCR at a glance in Maine
- 20–25% down (15% on select shelves with 740+ FICO and 1.25+ DSCR)
- 660 minimum FICO typical · 620 with larger down on some shelves
- DSCR 1.0+ standard · 0.75 with a rate add-on
- 3–6 months PITIA reserves (6 months on STR)
- Close in an LLC, partnership, or corp
- No tax returns · no W-2s · no personal DTI calculated
DSCR calculator
Monthly rent ÷ monthly PITIA (principal + interest + taxes + insurance + association dues).
Maine DSCR FAQs
Do you offer DSCR loans in Maine?+
Yes. Tayton Capital originates DSCR investor loans across Maine for both long-term rentals and short-term (Airbnb / VRBO) rentals where local zoning allows.
What's the minimum down payment for a DSCR loan in Maine?+
20% is the standard minimum on LTR DSCR with a 1.0+ ratio. 25% is typical for STR or sub-1.0 DSCR ratios. Some shelves go to 15% with 740+ FICO and a strong ratio.
Can I close in an LLC in Maine?+
Yes. Maine DSCR closings routinely go into an LLC, partnership, or corp. A personal guaranty is usually still required.
What credit score do I need?+
Most Maine DSCR shelves start at 660–680 FICO. Best pricing kicks in at 740+. We have programs that accept 620 with larger down.
How fast can a Maine DSCR loan close?+
Purchases close in 21–30 days; refinances in 15–25 days. We coordinate appraisal, title, and insurance in-house to keep your timeline tight.
Get a Maine DSCR quote
Send the property address and projected rent — we'll send back a rate, terms, and max loan amount within one business day.