Genesis Capital for Maine investors
Genesis Capital (a Goldman Sachs portfolio company) operates on larger-scale residential investor lending with institutional underwriting.
Maine context
Maine seasonal rental market. Coastal STR potential.
How Genesis Capital positions in Maine
The Maine lender pool for DSCR includes Genesis Capital among the active platforms. Maine top metros (Portland, Bangor, Maine) see meaningful Genesis Capital loan volume.
City-level coverage in Maine
Genesis 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. Genesis 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, bridge, rental, new-construction |
| Loan size | $100K - $7.5M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months |
| Typical close time | 10-21 days typical |
| Maine property tax | 1.2% |
| Maine state income tax | 7.15% |
Genesis Capital strengths in Maine
- large transaction capacity
- institutional-quality underwriting
Ideal borrower: Larger-scale investor with $1M+ deal sizes
FAQ
Yes, operates nationally including Maine. Genesis Capital is based in Sherman Oaks, CA and operates nationally.
Portland is the top investor market in Maine and falls within Genesis Capital national coverage. Portland property tax follows the Maine state rate of 1.2 percent. Genesis 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 Genesis Capital. Submarket variation within Bangor matters for property selection.
Genesis 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 Genesis Capital program.
Genesis Capital indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Maine seasonal rental market. Coastal STR potential. Genesis Capital follows standard business-purpose loan structures.
Genesis Capital funds fix-and-flip, bridge, rental, new-construction in Maine.
Maine allows standard DSCR prepay structures; Genesis Capital typically uses 3-5 year step down.
Genesis Capital typical close: 10-21 days typical.
Bottom line
For Maine DSCR borrowers, Genesis Capital is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Genesis Capital.