Maine DSCR Loan Calculator
Screen a Maine rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Maine; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Maine DSCR assumptions
The calculator seeds Maine with a starting property value of $340,000.00, starting rent of $1,200.00, annual property tax based on a 0.98% effective rate, and estimated annual insurance of $1,346.00.
STR note: No statewide restrictions. Portland has STR regulations with owner-occupancy requirements. Coastal towns (Kennebunkport, Bar Harbor) have varying levels of STR regulation. Rapidly evolving in tourist destinations. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Portland/Cumberland County (largest, most liquid market, strong rental demand). Lewiston-Auburn/Androscoggin County (most affordable Maine market, cash flow). Bangor/Penobscot County (regional hub, affordable, University of Maine). York County coastal (Kennebunk, Ogunquit — premium STR market). Bar Harbor/Hancock County (Acadia tourism, STR premium).
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