Visio Lending for Maine investors
Visio Lending is one of the original DSCR specialists, with particular strength in short-term rental underwriting. Minimum DSCR of 1.00 is firm (no below-1.0 program). Uses AirDNA data for STR underwriting.
Maine context
Maine seasonal rental market. Coastal STR potential.
How Visio Lending positions in Maine
Maine is well covered by national DSCR lenders, with Visio Lending as one option. Where Visio Lending differentiates: DSCR specialist. Where it competes: rates 6.75 to 9.5 percent against peer programs.
City-level coverage in Maine
Visio 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. Visio 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, STR DSCR |
| Loan size | $75K - $2.0M |
| Rates | 6.75%-9.5% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 30-year amortization |
| Typical close time | 21-30 days typical |
| Maine property tax | 1.2% |
| Maine state income tax | 7.15% |
Visio Lending strengths in Maine
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including Maine. Visio Lending is based in Austin, TX and operates nationally.
Portland is the top investor market in Maine and falls within Visio Lending national coverage. Portland property tax follows the Maine state rate of 1.2 percent. Visio 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 Visio Lending. Submarket variation within Bangor matters for property selection.
Visio 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 Visio Lending program.
Visio Lending indicative DSCR rate range is 6.75 to 9.5 percent with 1 to 3 points.
Maine seasonal rental market. Coastal STR potential. Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in Maine.
Maine allows standard DSCR prepay structures; Visio Lending typically uses 3-5 year step down.
Visio Lending typical close: 21-30 days typical.
Bottom line
Visio Lending 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 Visio Lending.