Licensed & LendingHard Money & DSCR Loans in Maine
Capital Kings funds Maine investor loans. Hard money, DSCR, and bridge financing for Portland metro and statewide. Maine is a smaller market by volume but the deals that come through are usually solid: low competition, stable tenants, and growing short-term-rental demand on the coast.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds Maine Deals
Portland's housing supply is tight, which keeps rents resilient and makes DSCR underwriting straightforward. Coastal STR deals (Old Orchard Beach, Bar Harbor, Kennebunkport) get evaluated on projected income with our STR-friendly lenders.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Maine fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Maine buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Maine growth corridors specifically.
Active Markets
Cities We Fund Across Maine
Active lending across Maine's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Maine Investors
Portland DSCR rental financing
Available statewide for Maine investors.
Coastal STR loans on projected income
Available statewide for Maine investors.
Bridge financing for value-add small multifamily
Available statewide for Maine investors.
Common Questions
Maine Lending FAQ
Do you lend hard money loans in Maine?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Maine through our 270+ lender network. We close Maine deals in as little as 7 days.
What cities in Maine does Capital Kings lend in?
We fund investor loans statewide in Maine, with active deal flow in Portland, Lewiston, Bangor, South Portland, Auburn and the surrounding metros.
Do you offer DSCR rental loans in Maine?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Maine on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Maine hard money loan close?
Most Maine fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Maine fix-and-flip loan?
As little as 0% down on the right deal. Most Maine hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Maine can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Maine Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Maine deal we close.
Adjacent Markets
Also Lending In
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Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →Ready to fund your Maine deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Maine are originated by partner lenders licensed to lend in Maine. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.