Easy Street Capital for Maine investors
Easy Street Capital has one of the more flexible non-QM platforms in the market, with particular strength in short-term rental DSCR underwriting (counting projected nightly revenue rather than long-term lease income). Excludes North Dakota, South Dakota, Minnesota, Nevada, and New York; offers same-day term sheets.
Maine context
Maine seasonal rental market. Coastal STR potential.
How Easy Street Capital positions in Maine
Maine is well covered by national DSCR lenders, with Easy Street Capital as one option. Where Easy Street Capital differentiates: STR-DSCR program with projected income underwriting. Where it competes: rates 5.75 to 11.5 percent against peer programs.
City-level coverage in Maine
Easy Street Capital provides DSCR coverage across Maine metros including Portland, Bangor, and Maine. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Easy Street Capital program terms apply uniformly across Maine metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR |
| Loan size | $75K - $2.0M |
| Rates | 5.75%-11.5% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-18 months (hard money) / 30-year (rental) |
| Typical close time | 7-14 days typical |
| Maine property tax | 1.2% |
| Maine state income tax | 7.15% |
Easy Street Capital strengths in Maine
- STR-DSCR program with projected income underwriting
- fast tech-driven origination
- experienced borrower programs
Ideal borrower: Investor with STR or BRRRR focus needing flexible underwriting
FAQ
Yes, operates nationally including Maine. Easy Street Capital is based in Austin, TX and operates nationally.
Portland is the top investor market in Maine and falls within Easy Street Capital national coverage. Portland property tax follows the Maine state rate of 1.2 percent. Easy Street Capital typically underwrites Portland acquisitions at standard rate sheets.
Yes. Bangor ranks among the larger Maine investor metros and sees consistent DSCR loan volume from Easy Street Capital. Submarket variation within Bangor matters for property selection.
Easy Street Capital applies the same rate sheet across Maine metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Portland, Bangor, and Maine all qualify for the same Easy Street Capital program.
Easy Street Capital indicative DSCR rate range is 5.75 to 11.5 percent with 1 to 3 points.
Maine seasonal rental market. Coastal STR potential. Easy Street Capital follows standard business-purpose loan structures.
Easy Street Capital funds fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR in Maine.
Maine allows standard DSCR prepay structures; Easy Street Capital typically uses 3-5 year step down.
Easy Street Capital typical close: 7-14 days typical.
Bottom line
Easy Street Capital in Maine works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Easy Street Capital.