MoFin Lending for Maine investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
Maine context
Maine seasonal rental market. Coastal STR potential.
How MoFin Lending positions in Maine
The Maine lender pool for DSCR includes MoFin Lending among the active platforms. Maine top metros (Portland, Bangor, Maine) see meaningful MoFin Lending loan volume.
City-level coverage in Maine
MoFin Lending provides DSCR coverage across Maine metros including Portland, Bangor, and Maine. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. MoFin Lending 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 | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Maine property tax | 1.2% |
| Maine state income tax | 7.15% |
MoFin Lending strengths in Maine
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Maine. MoFin Lending is based in an undisclosed location and operates nationally.
Portland is the top investor market in Maine and falls within MoFin Lending national coverage. Portland property tax follows the Maine state rate of 1.2 percent. MoFin Lending typically underwrites Portland acquisitions at standard rate sheets.
Yes. Bangor ranks among the larger Maine investor metros and sees consistent DSCR loan volume from MoFin Lending. Submarket variation within Bangor matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending 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. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Maine.
Maine allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
Maine investors considering MoFin Lending should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.