Long-term rental financing for investment properties across Maine — qualified off the property's income, not your personal DTI. 30-year fixed from 5.75%, up to 80% LTV, and only 3 months of seasoning on cash-out refinances. SLA Capital has closed deals across every major Maine metro.
SLA Capital — a Sir Lends A Lot LLC Company
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. Self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
Portland has grown into one of the most in-demand Northeast metros. Coastal STR corridors add seasonal income flexibility. Constrained supply supports long-term value.
Portland has become one of the fastest-growing metros in the Northeast, with tech, healthcare, and food-and-beverage employment supporting deep rental demand across the metro.
Southern Maine and Midcoast Maine host active seasonal STR markets. Our DSCR program supports STR income on qualifying properties.
Maine housing supply is constrained by both geography and slow permitting timelines, which supports long-term property values and rental rates.
Whether you're closing a single-asset SFR in a smaller Maine market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Cumberland County — Portland + South Portland + Westbrook
Penobscot County — Central Maine
State capital + Androscoggin County
Androscoggin County — Lewiston-adjacent
Southern Maine coastal STR corridor
Cumberland County — Bowdoin + former NAS Brunswick redevelopment
Midcoast STR corridors
Statewide coverage — send us any Maine property
Same nationwide program, no state-specific surcharges.
Priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at close.
Purchase and rate-and-term refis up to 80% LTV. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM.
Single-asset from $55K to $3M. Portfolio structures for 2–10 Maine properties on one note.
Up-front pricing. One origination point, standard closing costs, no junk fees.
Property rent must cover PITIA. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Yes. SLA Capital funds DSCR rental loans throughout Maine — Portland Metro, Bangor, Augusta & Lewiston, Auburn, Kennebunk & York, and every other ME metro. Rates from 5.75%, up to 80% LTV.
Maine DSCR loans start at 5.75% on a 30-year fixed structure. Priced off the 5-year Treasury with transparent up-front pricing — the rate you're quoted is the rate you close at.
Every Maine metro. High-volume markets: Portland Metro, Bangor, Augusta & Lewiston, Auburn, Kennebunk & York. Secondary markets welcome.
Portland has grown into one of the most in-demand Northeast metros. Coastal STR corridors add seasonal income flexibility. Constrained supply supports long-term value.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Maine DSCR loans, and no active lease is required at closing.
Send us the property. Our sizer returns a real term sheet in minutes.
Short-term purchase + rehab financing across every Maine metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Maine builders. 85% land + 85% build. $100K–$7.5M.