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Commercial DSCR Investor Deal Desk
Maine (ME) · Judicial (or Commercial Corporate Power of Sale) Foreclosure · 2026 DSCR Desk

Maine DSCR Loans — 2026 Rates, 80% LTV & Investor Guidelines

Maine DSCR loans allow real estate investors to acquire or cash-out refinance 1–4 unit rentals, short-term rentals (Airbnb/VRBO), and 5–100+ unit multifamily properties in Maine (ME) up to 80% Purchase LTV and 75% Cash-Out LTV at 6.125%–7.875% with zero personal tax returns. At the Maine median 1–4 unit price of $385,000 and Form 1007 rent of $2,750/mo (1.24% property tax, $470/$100K hazard insurance), a 75% LTV loan models at 1.14x DSCR ($2,422/mo total PITIA).

Median 1–4 Unit Price
$385,000
75% LTV: $288,750
Median Form 1007 Rent
$2,750/mo
Modeled DSCR: 1.14x
ME Effective Tax Rate
1.24%
~$398/mo Tax Escrow
Security Instrument
Judicial (or Commercial Corporate Power of Sale)
Avg Timeline: 180–260 days days

All 10 Investor Loan Programs in Maine (ME)

Maine DSCR Loans
Up to 80% LTV Purchase / 75% Cash-Out · 6.375% – 8.25% (Wholesale Tier Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
Maine Hard Money Loans
Up to 85%–90% LTC / 75% ARV · 9.25% – 11.50% Interest-Only
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
Maine Private Money Loans
Up to 80% LTV / 85% LTC · 8.99% – 11.25% Interest-Only
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
Maine Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · 9.25% – 11.25% Interest-Only
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
Maine Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · 8.75% – 10.99% Interest-Only
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
Maine Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · 9.75% – 11.75% Interest-Only on Drawn Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
Maine Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Maine Commercial Property
Up to 75% LTV · 6.875% – 8.99%
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Maine Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
Min FICO: 620+ FICO · Close: 7 – 12 Business Days
Maine Cash-Out Refinance
Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 6.625% – 8.375%
Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

Top Maine Investment Cities

Portland, ME
Maine DSCR Loans (2026) — 80% LTV, Rates & ME Underwriting Guide | HardMoney.bot — Instant LTC/ARV Fix-and-Flip Underwriting & 24-Hour Bridge Term Sheets