DSCR Cash Out Refinance Maine

Introduction

Maine’s rental property market has matured into one of New England’s most compelling equity stories. Between remote work migration, booming coastal tourism, and a structural shortage of for-sale housing that has kept rental demand high across the state, investors who have been holding Maine properties for even a few years have accumulated equity positions worth exploring. A DSCR cash-out refinance is the most efficient tool for tapping that equity without navigating the income-documentation gauntlet that conventional lenders impose. Lendmire’s DSCR investor loan programs let investors qualify on rental income alone — no W-2s, no tax returns, no personal income scrutiny.

DSCR refinancing in Maine works across the state’s diverse property types and markets: a long-term rental duplex near the University of Maine in Orono, a waterfront short-term rental in Kennebunkport, a workforce single-family in Bangor’s Hammond Street corridor, or a Midcoast vacation property in Camden. In each case, the DSCR framework evaluates the property’s numbers — monthly gross rent versus PITIA — and qualification stands or falls on those numbers alone, not on the borrower’s personal income history or employment status.

This guide is built specifically for Maine investors considering a DSCR cash-out refinance: what the program requires, how Maine’s major investment markets support this strategy, how DSCR stacks up against conventional financing, and how Lendmire helps investors close faster and scale more efficiently across the Pine Tree State.

What Is a DSCR Loan?

A DSCR loan — Debt Service Coverage Ratio loan — underwrites the borrower based on the income a rental property generates, not on the borrower’s personal income, employment, or tax history. For Maine investors who want to understand what is a DSCR loan in concrete terms, the formula is the foundation:

DSCR = Monthly Gross Rents ÷ PITIA (Principal, Interest, Taxes, Insurance, and Association dues)

A DSCR of 1.00 means the rent exactly covers the debt. Above 1.00 signals positive cash flow and reflects stronger loan eligibility. Sub-1.00 DSCR options exist with tighter restrictions on LTV and credit score. The framework is particularly well-suited to Maine investors who operate through LLCs, depreciate properties aggressively, or simply have income structures that look unfavorable under conventional income-documentation requirements. If the property’s rental income qualifies, the investor qualifies.

Why Maine Is a Strong Market for DSCR Cash-Out Refinancing

Maine presents a distinctive investment landscape that aligns well with DSCR refinancing strategy. The state combines three overlapping demand drivers — long-term workforce rental markets in its cities, a world-class coastal and recreational short-term rental economy, and an accelerating remote worker migration that has driven up property values across both urban and rural markets. The result is a state where rental income is durable, equity has appreciated meaningfully, and the conditions for a well-executed DSCR cash-out refinance are favorable across a wide range of property types and price points.

Portland anchors the state’s investment property market. The city has attracted significant employer growth — WEX Inc., IDEXX Laboratories, and MaineHealth are among its largest private employers — while absorbing an influx of remote workers from Boston, New York, and beyond. That combination has driven rental vacancy rates to historic lows and pushed rents in neighborhoods like Munjoy Hill, the West End, and East Deering steadily upward. Investors who purchased Portland properties before the post-2019 appreciation cycle are now holding assets with equity cushions large enough to support meaningful DSCR cash-out proceeds.

The coastal vacation rental corridor — spanning York County’s beaches, the Midcoast towns of Rockland and Camden, Acadia National Park’s gateway town of Bar Harbor, and the Down East communities of the Bold Coast — generates some of the highest short-term rental gross rents in New England on a per-night basis. For DSCR purposes, STR gross rents are reduced 20% before calculation, but even the adjusted figures often support strong DSCR ratios on properties that have appreciated significantly from their acquisition prices.

Maine’s secondary markets — Bangor, Lewiston-Auburn, and the growing workforce communities of Augusta and Waterville — offer a different but equally compelling DSCR profile: lower acquisition prices, above-average cap rates, and stable employment demand from healthcare systems, state government, and the University of Maine system. In these markets, DSCR ratios frequently clear 1.20 or higher, and a cash-out refinance can generate proceeds sufficient to fund additional acquisitions at current price points without requiring the investor to provide any personal income documentation.

Key Benefits of a DSCR Cash-Out Refinance in Maine

No personal income verification — DSCR qualification is driven entirely by the Maine property’s monthly gross rents, not W-2s, tax returns, or pay stubs
LLC and entity ownership fully supported — subject to lender program eligibility — ideal for investors who hold Maine rentals in single-purpose LLCs for liability protection or estate planning
Access up to 75% LTV on cash-out refinance for 1-unit properties (700+ FICO, DSCR >= 1.00, loans <= $1,500,000)
6-month seasoning minimum under DSCR versus 12 months for conventional — access Maine property equity in half the time
Short-term rental and Airbnb properties qualify — Maine’s coastal and lakefront STR markets work within the DSCR underwriting framework
No cap on financed properties — build a Maine portfolio beyond conventional’s 10-property ceiling
Multiple loan term options: 30-year fixed, 40-year fixed, ARM structures, and interest-only periods to optimize cash flow
Cash-out proceeds can fund new Maine acquisitions, renovations, or payoff of existing investment-related debt

Thinking about investment properties in Maine? Lendmire’s specialists work with investors across the country — no W-2s, no tax returns, just the property’s numbers. Call us at 828-256-2183 or apply online to see what you qualify for.

DSCR Loan Requirements

Credit Score Thresholds

640 FICO minimum — DSCR >= 1.00, purchase loans up to $3,000,000 (640-659 range: purchase transactions only)
660 FICO minimum — most refinance and cash-out transactions
700 FICO minimum — first-time investors
680 FICO minimum — interest-only loans on 1-4 unit properties
Sub-1.00 DSCR: 660 FICO minimum; options narrow significantly below 680

LTV and Equity Guidelines

DSCR >= 1.00: up to 80% LTV on purchases (700+ FICO, loans <= $1,500,000)
DSCR < 1.00: up to 75% LTV on purchases (700+ FICO, loans <= $1,500,000)
Cash-out refinance: up to 75% LTV (700+ FICO, DSCR >= 1.00, loans <= $1,500,000)
2-4 unit properties and condos: max 75% LTV purchase / 70% LTV refinance
Rural properties: max 75% LTV purchase / 70% LTV refinance

DSCR Ratio Requirements

Standard minimum: DSCR >= 1.00
Sub-1.00 DSCR available with restrictions (660-700 FICO, reduced LTV)
Loans under $150,000: DSCR 1.25 minimum required
Short-term rental properties: gross rents reduced 20% before DSCR calculation

Loan Amounts and Property Types

1-4 unit residential: $100,000 minimum / $3,500,000 maximum
2-4 unit mixed-use: $400,000 minimum / $2,000,000 maximum
Condotel: $150,000 minimum / $1,500,000 maximum
Eligible types: SFR (attached/detached), PUDs, 2-4 unit, condos (warrantable and non-warrantable), condotels, modular/pre-fab
Mixed-use: commercial space must not exceed 49.99% of building area; max lot size 5 acres for 1-4 unit / 2 acres for mixed-use

Loan Terms and Reserves

Available terms: 30-year fixed, 40-year fixed, 5/6 ARM, 7/6 ARM, 10/6 ARM (30-day SOFR index)
Interest-only available (10-year I/O period); combinable with 40-year term
Reserves: 2 months PITIA standard; 6 months for loans > $1,500,000; 12 months for loans > $2,500,000
Cash-out proceeds may satisfy reserve requirements on 1-4 unit properties (not mixed-use)

DSCR vs. Conventional Investment Loans in Maine

Maine investors comparing their refinance options face a meaningful structural difference between DSCR and conventional underwriting. Reviewing DSCR vs conventional investment loans side by side makes clear why DSCR is the preferred path for most active portfolio builders in the state.

Conventional requires full income documentation and DTI analysis (approximately 45% maximum) — DSCR requires no income docs and applies no DTI calculation
Conventional prohibits LLC ownership on investment property loans — DSCR fully supports LLC closing, subject to lender program eligibility
Conventional seasoning requires the existing first mortgage to be at least 12 months old (note date to note date) — DSCR requires only a 6-month minimum ownership period before cash-out refinance
Conventional caps financed properties at 10 (720 FICO required for 6 or more) — DSCR has no financed property cap under program guidelines
Both programs cap cash-out refinance at 75% LTV for single-unit properties — this particular limit is the same
Conventional requires 6 months PITIA reserves on ALL financed investment properties — DSCR requires only 2 months PITIA on the subject property

Consider a Maine investor who owns four rental properties financed conventionally. That investor must maintain six months of PITIA reserves across all four loans simultaneously — a significant and ongoing capital drag. Under DSCR, the reserve requirement applies only to the subject property being refinanced. For investors actively trying to scale their Maine portfolio, that difference in reserve burden can mean the difference between being able to act on the next acquisition and being stuck waiting on the sidelines.

Maine DSCR Cash-Out Refinance: Investment Market Deep Dive

Portland: Urban Equity and New England Rental Strength

Portland has established itself as northern New England’s most dynamic rental market over the past decade. The combination of a thriving food, arts, and technology sector — anchored by employers such as WEX Inc., IDEXX Laboratories, Tilson Technology, and the MaineHealth system — with an influx of remote workers who relocated from pricier coastal cities has driven rents and property values to levels that would have seemed improbable in 2015. Neighborhoods like Munjoy Hill, the West End, Bayside, and Deering Center have seen the sharpest appreciation, and investors holding units in these corridors are now sitting on some of the most valuable rental equity in Maine.

For DSCR cash-out refinancing in Portland, the math tends to work well because gross rents have climbed alongside property values. A Portland duplex that was generating $2,200 combined monthly rent in 2018 might now generate $3,200 or more, significantly improving the DSCR ratio on a post-refinance loan and allowing the investor to extract equity while maintaining a qualifying ratio. The 6-month DSCR seasoning window — versus the 12-month conventional requirement — gives Portland investors the ability to act faster on recently appreciated assets.

York County Coast: Premium STR Income and Coastal Equity

York County — home to Kennebunkport, Ogunquit, Wells Beach, Old Orchard Beach, and the Berwick communities — is Maine’s premier coastal investment corridor. The short-term rental market here is driven by proximity to Boston (roughly 90 minutes on I-95), world-class beaches, and historic village appeal that attracts both summer visitors and shoulder-season travelers. Nightly rates in Kennebunkport and Ogunquit during peak season rank among the highest in New England, and investors who have held York County properties for three or more years have experienced appreciation that in many cases exceeds 40 to 60 percent.

DSCR cash-out refinancing is particularly compelling in York County because the underlying equity positions are substantial and the gross rental income — even after the 20% STR reduction applied under program guidelines — often supports strong DSCR ratios. An investor holding a Kennebunkport vacation rental purchased in 2019 may now have enough equity to execute a 75% LTV cash-out refinance on a single-unit property and still walk away with six figures in proceeds, which can then fund a second acquisition without any personal income documentation required.

Midcoast Maine: Camden, Rockland, and Year-Round Rental Demand

The Midcoast region — encompassing Rockland, Camden, Rockport, Belfast, and Searsport — has undergone a cultural and economic renaissance over the past decade. The Farnsworth Art Museum in Rockland, the Maine Windjammer fleet based in Camden, and a growing concentration of remote workers and retirees who have relocated to the region have steadily increased both property values and rental demand. Unlike York County’s more pronounced seasonality, Midcoast Maine benefits from a broader visitor season that extends from spring through late fall, and a year-round resident base that provides consistent long-term rental absorption.

For DSCR refinancing, the Midcoast offers an interesting profile: properties that were undervalued relative to their coastal Maine peers a decade ago have appreciated significantly, creating equity positions that support cash-out activity. DSCR ratios on Midcoast long-term rentals tend to be solid, reflecting the combination of meaningful rent levels and acquisition prices that are lower than Portland or the southern coast. Investors who can demonstrate strong gross rent history on Midcoast properties — whether long-term or short-term — often find DSCR qualification straightforward.

Bangor and Eastern Maine: Stable Cash Flow and DSCR-Friendly Math

Bangor serves as the commercial, healthcare, and educational hub for eastern and northern Maine. Northern Light Eastern Maine Medical Center is the area’s largest employer, and the University of Maine’s main campus in Orono — just ten minutes from downtown Bangor — generates consistent student and faculty rental demand in the surrounding corridors. The Cross Center, the city’s performing arts and convention venue, and Bangor International Airport anchor additional regional economic activity that sustains workforce rental demand across the Broadway, Union Street, and Hammond Street neighborhoods.

From a DSCR qualification standpoint, Bangor is among Maine’s most accessible markets. Property prices remain well below Portland and coastal levels, while rents for well-maintained single-family and duplex units are comparatively strong. DSCR ratios on Bangor investment properties frequently clear 1.20 to 1.35, giving investors significant headroom on both qualifying thresholds and the equity extraction available through a cash-out refinance. An investor pulling equity from a Bangor rental can often fund the purchase of an additional property in the same market at current price points.

Lakes Region: Sebago, Bridgton, and Recreational Property Equity

The western Maine lakes region — anchored by Sebago Lake, Long Lake in the Bridgton-Naples corridor, and the ski-adjacent communities of Bethel and the Rangeley Lakes — has seen meaningful appreciation fueled by recreational demand and remote worker migration. Sebago Lake is the drinking water source for Portland and the second-largest lake in New England; its shoreline communities in Raymond, Casco, and Windham draw both summer renters and year-round residents who have fueled a strong property value run in recent years. Lakefront and water-access properties have seen particularly pronounced appreciation.

DSCR cash-out refinancing in the Lakes Region requires attention to the STR calculation adjustment — gross rents on recreational properties are reduced 20% before DSCR computation — but properties with documented peak-season booking history and above-average nightly rates often still support qualifying ratios after that adjustment. For investors who purchased Lakes Region properties before the 2020-2022 appreciation surge, the equity now available for extraction through a DSCR cash-out refinance can be substantial, and Lendmire’s team can work through the numbers on each specific property.

Lewiston-Auburn and Central Maine: Value Play and Workforce Rental Fundamentals

Lewiston and Auburn represent Maine’s second-largest metro area by population, and the twin cities are in the middle of a prolonged economic and cultural transformation. Central Maine Medical Center, Bates College in Lewiston, St. Mary’s Regional Medical Center, and a growing manufacturing, logistics, and healthcare services base along the Route 202 and 9 corridors create stable workforce rental demand that has kept occupancy rates high and rent growth steady. Lewiston’s downtown mill-building redevelopment projects have attracted younger residents and a new wave of small business activity that is reshaping the rental demand profile of the city center.

For DSCR investors, Lewiston-Auburn is one of Maine’s strongest value-play markets. Properties trade at prices that are a fraction of Portland levels, but rents have climbed meaningfully as demand from healthcare workers, students, and logistics employees has strengthened. DSCR ratios in this market frequently exceed 1.25, making qualification comfortable and leaving room for a cash-out refinance that still maintains a strong post-refinance ratio. Cash-out proceeds from a Lewiston multi-family can typically fund one or even two additional acquisitions in the same market at current prices.

Short-Term Rental and Airbnb Applications in Maine

Maine’s short-term rental economy is one of the most active in the northeastern United States, and DSCR programs are structured to accommodate STR investment properties within a specific underwriting framework. Investors using DSCR loans for Airbnb and short-term rentals in Maine should understand how the program handles STR income.

STR gross rents are reduced 20% before DSCR calculation — Maine investors should underwrite to the adjusted income figure when estimating qualification on vacation rentals
York County coastal STR properties in Kennebunkport, Ogunquit, and Wells typically generate peak-season income that supports DSCR qualification even after the 20% reduction, particularly for properties with established booking histories across multiple seasons
Midcoast properties in Camden, Rockland, and Rockport benefit from a shoulder-season visitor base that helps smooth gross rent profiles over a longer annual window, improving the annualized income used in DSCR underwriting
Bar Harbor and Mount Desert Island STR properties qualify under DSCR guidelines, giving investors a path to access appreciated coastal equity without personal income documentation
Maine municipalities have varying STR licensing requirements — particularly in Portland, Bar Harbor, and the Kennebunks — investors should confirm local regulations before acquisition, though DSCR underwriting focuses on documented rental income rather than zoning classification

Example DSCR Cash-Out Refinance Scenario: Bangor Single-Family Rental

Here is a concrete illustration of how a DSCR cash-out refinance works for a Maine investor operating in the secondary market:

Property type: Single-family rental, Bangor, Maine — Hammond Street neighborhood
Current appraised value: $285,000
Existing loan balance: $148,000
Max cash-out LTV (1-unit): 75% = $213,750 maximum loan amount
Estimated gross cash-out proceeds: $213,750 – $148,000 – closing costs = approximately $57,000-$61,000 net
Monthly gross rent: $1,750
Estimated new PITIA on $213,750 loan: $1,380 per month
DSCR calculation: $1,750 / $1,380 = 1.27 DSCR

At 1.27 DSCR, this investor qualifies comfortably under standard DSCR program guidelines. No income documentation is required — the Bangor rental’s income alone drives qualification. LLC ownership is welcome, subject to lender program eligibility. The approximately $59,000 in net cash-out proceeds can serve as a full down payment on a second Bangor property, fund a renovation that increases rents on another unit, or pay off investment-related debt on a different rental.

This is exactly how many investors scale using DSCR loans across Maine.

Ready to run the numbers on your next Maine investment property? Lendmire closes DSCR loans in as few as 15 days — no income docs, no W-2s, and LLC ownership is welcome (subject to lender program eligibility). Reach out today at 828-256-2183 and let’s get started.

DSCR Refinance Options for Maine Investors

Maine investors have two primary DSCR refinance strategies, and choosing between them depends on whether the goal is equity access or cash flow optimization. Both options are covered in detail through Lendmire’s cash-out refinance options for investment properties and investment property refinance options resources.

A DSCR cash-out refinance is the right choice when the goal is accessing equity to fund the next move. Under DSCR program guidelines, the minimum ownership seasoning period before a cash-out refinance is 6 months — compared to 12 months under conventional programs. For Maine investors in markets like Portland or the York County coast where appreciation has been significant and recent, the shorter seasoning window is meaningful: it allows investors to access equity from recently acquired and stabilized properties and redeploy that capital without waiting through a full year of ownership.

The maximum LTV for a cash-out refinance on a 1-unit property is 75%, subject to credit score, DSCR ratio, and loan amount thresholds. For 2-4 unit properties — which make up a large share of Maine’s investment housing stock in Portland, Bangor, and Lewiston — the maximum cash-out LTV is 70%. Investors with higher-value coastal properties should also note the $1,500,000 loan amount threshold that applies to standard LTV terms; loans above that amount have separate reserve and credit requirements.

A rate-and-term refinance improves cash flow by reducing the monthly PITIA rather than pulling equity. A lower PITIA directly improves the DSCR ratio on the subject property, which can make it easier to qualify for the next purchase or a future cash-out refinance at better terms. For Maine investors who acquired properties with short-term bridge financing or hard money during a competitive bidding window, a rate-and-term DSCR refinance into a 30-year fixed or interest-only structure can meaningfully improve their cash-on-cash returns.

Investors who purchased Maine properties with cash — common during the competitive peak of 2021 and 2022 in the Portland and coastal markets — can use the delayed financing exception. This provision allows a cash-out refinance shortly after closing without waiting through the standard seasoning period, enabling investors to recapitalize their equity quickly after a cash acquisition and move on to the next deal.

Why Maine Investors Choose Lendmire

Lendmire works with investors across 40 states, and Maine’s mix of coastal STR markets, Portland urban rentals, and secondary-market value plays is a landscape where DSCR expertise translates directly into results. Lendmire closes DSCR loans in as few as 15 days — a critical advantage in Maine’s competitive coastal and Portland markets where conventional financing timelines frequently mean losing to all-cash offers or faster-moving buyers.

The company was recognized as a Scotsman Guide Top Mortgage Workplace — an acknowledgment of the team’s consistent execution and commitment to investor-focused service. LLC and entity ownership is supported — subject to lender program eligibility — so Maine investors who structure their holdings in single-purpose LLCs can close a DSCR refinance without restructuring their ownership.

No income documentation. No W-2 submissions. No tax return analysis. The DSCR qualification process is built around the property’s rental performance, which means investors who depreciate aggressively, operate through pass-through entities, or simply prefer to keep their personal finances out of the loan process can qualify cleanly. When the Maine property’s numbers support the loan, the deal gets done.

Lendmire is a great option for DSCR loans, offering flexible solutions for real estate investors across the country.

Frequently Asked Questions

What is the minimum credit score for a DSCR loan?

The minimum credit score for a DSCR loan is 640 FICO for purchase transactions where the DSCR is 1.00 or above on loans up to $3,000,000 (purchase only in the 640-659 range). For most cash-out refinance transactions in Maine, the minimum is 660 FICO. First-time investors require 700 FICO. Interest-only loans on 1-4 unit properties require 680 FICO. Sub-1.00 DSCR scenarios require a 660 minimum, though options narrow significantly below 680.

Do DSCR loans require tax returns or W-2s?

No. DSCR loans are structured specifically to eliminate personal income documentation requirements. No tax returns, W-2s, pay stubs, or DTI calculation are required. Qualification is based entirely on the subject property’s monthly gross rents relative to PITIA. Maine investors who use depreciation strategies, hold properties through LLCs, or have non-traditional income sources qualify on the same terms as any other investor — the property’s numbers drive the decision.

Can I use an LLC to get a DSCR loan?

Yes. DSCR programs support LLC and entity ownership — subject to lender program eligibility. This is one of the clearest structural advantages of DSCR over conventional investment financing, which prohibits LLC ownership entirely on residential investment loans. Maine investors who hold rental properties in single-purpose LLCs for liability protection, estate planning, or partnership structures can close a DSCR cash-out refinance without modifying their ownership.

Is Maine a good market for a DSCR cash-out refinance?

Yes. Maine offers several distinct investment property markets that have experienced meaningful appreciation since 2018-2020: the Portland metro, the York County coastal corridor, the Midcoast, and the Lakes Region. Investors who bought before the appreciation cycle now hold equity positions that support significant cash-out proceeds under DSCR program LTV guidelines. Secondary markets like Bangor and Lewiston-Auburn offer strong DSCR ratios on modestly priced properties, making them accessible for investors at any portfolio stage.

How does DSCR handle short-term rental income in Maine?

Under DSCR program guidelines, gross rents for short-term rental properties are reduced by 20% before the DSCR calculation is performed. This adjustment accounts for vacancy and the variable nature of STR income. Maine STR investors — particularly those with York County coastal properties, Midcoast vacation rentals, or Lakes Region properties — should underwrite to the adjusted income figure when estimating DSCR qualification. Properties with strong multi-season booking histories and above-average nightly rates often support solid DSCR ratios even after the 20% reduction.

What is the minimum DSCR ratio required for a cash-out refinance?

The standard minimum DSCR ratio for a cash-out refinance is 1.00 — meaning the property’s gross monthly rent must equal or exceed its total PITIA on the new loan. Sub-1.00 DSCR options are available in some circumstances with reduced LTV and tighter credit requirements. Loans under $150,000 require a minimum DSCR of 1.25. Maine investors should calculate their post-refinance DSCR using the estimated new PITIA at the expected loan amount before submitting an application, and Lendmire’s team can help work through those numbers.

Get Started with Your Maine DSCR Cash-Out Refinance

Maine’s investment property markets are producing both cash flow and equity, and DSCR financing gives investors a direct path to access that equity without the documentation friction of conventional lending. From a Portland duplex to a Kennebunkport vacation rental to a Bangor workforce single-family, the framework is the same: qualify on the property’s numbers, close in as few as 15 days, and keep building your portfolio.

The next step is straightforward: explore DSCR loan options with Lendmire’s team and run the numbers on your Maine property to see what a DSCR cash-out refinance can deliver.

Whether you’re buying your first rental or your fifteenth, our team can move fast and get it done right. Don’t wait on a deal — call Lendmire now at 828-256-2183.

The right DSCR lender makes the difference between closing on time and losing the deal. Make the call today.

Disclaimer

For informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. All property values, rental rates, and market data referenced are approximate and based on publicly available information as of the date of publication. Lendmire is a licensed Mortgage Broker, NMLS# 2371349, Equal Housing Opportunity.

Reviewed By

Last reviewed: May 18, 2026

Brandon Miller

Founder & CEO, Mortgage Loan Originator, Lendmire LLC

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Legal disclosures. Lendmire (NMLS# 2371349) is a state-licensed mortgage brokerage that arranges financing through wholesale lender relationships. Lendmire is not a direct lender, depository institution, or registered financial advisor. The discussion above is general informational content about real estate financing — it is not financial, legal, or tax advice, and readers should consult licensed professionals for guidance on their individual circumstances. Loan inquiries are subject to lender underwriting; this article does not represent a commitment to lend. Loan terms, rates, and qualification standards vary by borrower, property, and state, and are subject to change at any time. Equal Housing Opportunity. NMLS Consumer Access: nmlsconsumeraccess.org.