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DSCR Rental Loans · Maine

DSCR rental loans in Maine — qualify on the rent.

Mortava DSCR loans in Maine: 620+ FICO, up to 85% LTV, min DSCR 0.50, 30/40-yr fixed — statewide.

Maine is tight inventory and strong seasonal short-term-rental demand. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in Portland, Lewiston, Bangor and beyond on the deal's cash flow.

No tax returns, W-2s, or DTI — qualify on the rent
Up to 85% LTV · 30 & 40-yr fixed & interest-only
Close in an LLC · soft inquiry only
Get a live Maine term sheet
Soft inquiry only — won't affect your credit.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why investors finance Maine rentals with Mortava

DSCR loans let Maine investors scale without the income docs a bank requires. Because qualification is based on the property's rent rather than your personal income, there are no tax returns, no W-2s, and no DTI calculation — ideal for self-employed buyers, full-time investors, and anyone growing a portfolio across Portland, Lewiston, Bangor.

Coastal Maine runs on seasonal demand: Portland and the midcoast towns support strong summer STR income while tight year-round inventory props up long-term rents. Underwriting on projected rental income fits this market well.

Top metros we lend in
Portland, Lewiston, Bangor
Max leverage
Up to 85% LTV purchase · 80% cash-out CLTV
Terms
30 & 40-year fixed and interest-only
Minimum FICO
620 (better leverage at 660+ / 740+)

Short-term rentals & Airbnb in Maine

Portland-area short-term rentals can qualify for DSCR financing on projected rental income — no years of Airbnb history required. If the STR play is your angle in Maine, see our STR / Airbnb DSCR program for how projected income is underwritten.

Guidelines reviewed July 2026 by the Mortava lending team.

Maine DSCR loan FAQ

Can I get a DSCR loan in Maine?
Yes. Mortava lends on investment properties across Maine, including Portland, Lewiston, Bangor. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in Maine without W-2s or DTI.
What credit score do I need for a Maine DSCR loan?
Most Maine DSCR programs start at a 620 FICO. Stronger credit unlocks higher leverage (up to 85% LTV) and better pricing, since loans are priced by FICO band.
Can I close a Maine DSCR loan in an LLC?
Yes. These are business-purpose loans, so you can vest title in an LLC or corporation — common for asset protection and portfolio growth in Maine.
Can I use a DSCR loan for an Airbnb or short-term rental in Maine?
Yes. Mortava's STR DSCR program qualifies Maine short-term rentals on projected rental income — no long Airbnb history required. Local STR rules vary by city and county in markets like Portland, so confirm licensing before you buy.
Do you lend on rentals in Portland and Lewiston?
Yes — Mortava lends across Portland, Lewiston, Bangor and every other Maine market. DSCR loans are sized on each property's rent, so a Portland duplex and a small-town single-family are underwritten the same way.
DSCR rental loans by state
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