Investment property financing built for Maine
Maine is a small, supply-constrained commercial-property market, and that scarcity is exactly why investors here value a lender who moves quickly. New City Financial provides business-purpose financing on Maine rental, multifamily, and commercial real estate — from Greater Portland, the state’s economic engine, and the York County gateway to the south, up through Bangor, Augusta and Waterville, Lewiston–Auburn, and the Midcoast around Bath and Brunswick. We fund deals on the strength of the property, not a stack of personal paperwork.
Because we underwrite the asset’s cash flow rather than your tax returns, our programs fit the realities of the Maine market: self-employed and portfolio investors, LLC-titled property, and out-of-state buyers drawn by the state’s chronic housing shortage and tight industrial supply. Whether you’re acquiring a rental in Portland or Westbrook, refinancing a workforce-housing building in Lewiston, or pulling cash out of a coastal retail property, you get one lender, one set of terms, and a straight answer quickly.
Loan programs for Maine investors
Every New City Financial program is available on qualifying Maine investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in Maine
We lend on business-purpose investment and commercial real estate across Maine — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why Maine investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in Maine? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
Maine commercial loan FAQs
Does New City Financial lend on investment property in Maine?
Yes. We finance business-purpose investment and commercial real estate throughout Maine — from Greater Portland and York County to Bangor, Augusta, Lewiston–Auburn, and the Midcoast. Loans run from $75K to $50MM at up to 75% LTV.
Can I get a Maine commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required — a strong fit for Maine’s self-employed owners and out-of-state investors.
What credit score do I need for a DSCR loan in Maine?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a loan-to-value of up to 75%, a well-located Maine asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in Maine?
Most Maine files close in under three weeks. Investor-focused underwriting and minimal documentation keep the process fast — important in a tight, low-inventory market where well-located deals move quickly.
What loan-to-value can I get on Maine investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Do you finance smaller commercial deals in Maine?
Yes. With loans starting at $75K, we finance the small-bay industrial, neighborhood retail, and workforce multifamily that make up much of Maine’s market — in Greater Portland and in secondary markets like Bangor and Lewiston–Auburn alike. Owner-occupied commercial space is eligible; primary residences are not.
Financing your Maine deal with New City Financial
New City Financial provides business-purpose financing on Maine investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.