DSCR Loans in Portland, ME
Find lenders offering dscr loans in the Portland, including South Portland, Scarborough, Westbrook, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
DSCR Lenders Serving Portland
42 lenders offering dscr loans in the Portland, ME area.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
Lima One Capital
Greenville, SC
Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Portland Commercial Real Estate Market
Portland, Maine, has developed one of the strongest small-city CRE markets in New England, anchored by a nationally acclaimed food and beverage scene, a thriving creative economy, and a growing professional services sector. The Old Port district along Fore Street and Commercial Street is the retail and hospitality core, with extremely limited vacancies and rents that rival much larger markets for premium space. The East Bayside and Thompson's Point neighborhoods are undergoing significant redevelopment into mixed-use projects combining creative office, residential, and entertainment uses. Limited developable land on the peninsula constrains new supply and supports asset values across all commercial categories.
Key Economic Drivers
- ●Maine Medical Center and Northern Light Mercy Hospital healthcare campuses
- ●Food, beverage, and craft brewing industry including Allagash, Shipyard, and dozens of restaurant groups
- ●IDEXX Laboratories and WEX Inc. technology and financial services headquarters
- ●Tourism and cruise ship port activity generating 1 million-plus annual visitors
Market Insight
Portland's peninsula geography severely limits new commercial construction, resulting in an office vacancy rate that has consistently run well below the national average and making existing commercial properties on the peninsula particularly valuable to long-term holders.
DSCR Loans in Portland, Maine
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In the Portland metro area, borrowers can access 42 lenders offering DSCR financing, including South Portland, Scarborough, Westbrook, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
Who Should Consider DSCR Loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
Key Requirements
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
DSCR Loans in Other Maine Cities
Find DSCR Lenders in Portland
Get matched with lenders offering dscr loans in the Portland, ME area. Free for borrowers.
Get Matched — Free →