FundLoans for Maine investors
FundLoans is a broker-only DSCR lender with a $200,000 minimum and $6,000,000 maximum loan size — the largest maximum among the lenders added to this directory in September 2026. Minimum credit score is 660 with a 0.75 minimum DSCR. Maximum LTV is 80% on purchase/rate-term and 75% on cash-out refinance. The company does not publish rate or state-coverage figures in the sources reviewed.
Maine context
Maine seasonal rental market. Coastal STR potential.
How FundLoans positions in Maine
Maine is well covered by national DSCR lenders, with FundLoans as one option. Where FundLoans differentiates: Largest maximum loan size among the lenders added to this directory in September 2026 ($6,000,000). Where it competes: rates not publicly published against peer programs.
City-level coverage in Maine
FundLoans provides DSCR coverage across Maine metros including Portland, Bangor, and Maine. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. FundLoans program terms apply uniformly across Maine metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $200K - $6.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Maine property tax | 1.2% |
| Maine state income tax | 7.15% |
FundLoans strengths in Maine
- Largest maximum loan size among the lenders added to this directory in September 2026 ($6,000,000)
- Broker-only origination
- 0.75 minimum DSCR
- 75% LTV on cash-out refinance
Ideal borrower: Broker-originated borrower financing a large-balance DSCR loan up to $6,000,000.
FAQ
Likely; verify direct Maine coverage. FundLoans is based in an undisclosed location and operates in states not publicly disclosed.
Portland is the top investor market in Maine and is generally within FundLoans states not publicly disclosed footprint. Portland property tax follows the Maine state rate of 1.2 percent. FundLoans typically underwrites Portland acquisitions at standard rate sheets.
Yes. Bangor ranks among the larger Maine investor metros and sees consistent DSCR loan volume from FundLoans. Submarket variation within Bangor matters for property selection.
FundLoans 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 FundLoans program.
FundLoans does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Maine seasonal rental market. Coastal STR potential. FundLoans follows standard business-purpose loan structures.
FundLoans funds rental DSCR in Maine.
Maine allows standard DSCR prepay structures; FundLoans typically uses 3-5 year step down.
FundLoans typical close: Not publicly published.
Bottom line
FundLoans 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 FundLoans.