Kennebunkport DSCR Belongs on This $4,906 Month File

A Kennebunkport underwrite starts with a $4,906 median month, not with a local DSCR product this packet will not guess. AirROI’s extract updated 2026-08-08 locks the market at ADR $708, occupancy 36.4 percent, RevPAR $255, and a $48,101 clear year. Peak three are August, July, and September, and the hole is January, February, and March. January is the occupancy floor. Those sentences are the file you bring to a lender. They are not a rate sheet this page cannot screenshot.

Second-home and DSCR are different questions on the same parcel. A second home can survive a January hole if household income carries the note. A DSCR story has to survive 36.4 percent occupancy and a clerk that may say the 2026 portal is closed, without pretending August is twelve months. Read this beside theinvestment page, thestartup stack, and themarket report. This page will not guess a purchase price, a coupon, or a leftover $100k remesh to make the ratio prettier.

Most new Kennebunkport houses still cannot list. The 2026 portal is closed to new applications and renewals. AirROI Moderate is not that license. A 53.8 percent thirty-plus setting is not booked winter. Finance that repeats those errors is not conservative. It is fiction with an amortization table attached to a house the town will not bless and January will not rescue. the hall the map names before you pledge the nights on this published market year, and do not let an August calendar answer that call. This is not legal advice.

Bring the $4,906 month, not August

$4,906 is trailing host revenue for a typical active unit in monthly form. $48,101 is the same sentence as a year, and both sit on a clear line. They are not a purchase price, and they are not a coverage ratio. They are not twelve Augusts. A DSCR desk that treats an August screenshot as guaranteed year-one cash is already off the file. A DSCR desk that refuses to read the median month at all is ignoring the only dated host month this cluster will print. Do not annualize a peak-season average near $11,806 and call that the year.

Those dollars sit next to ADR $708, occupancy 36.4 percent, and RevPAR $255. The math is a compressed-coast town, not a 70 percent resort. Revenue moved minus 23.8 percent while supply grew 12.1 percent, which is a host-market sentence, not a debt-service promise. Superhost share is 60.1 percent, and professional management is 23.4 percent. Cleaning’s median is $301. None of that converts $4,906 into a mortgage constant, and this page will not guess the price, rate, or tax stack required to pretend it does.

Bring the median month as the stress case, then haircut it if the house is new, unlicensed, or still waiting on a listings the 2026 portal is not issuing. Do not raise it with Kennebunk’s $47,644, and do not raise it with Ogunquit’s $33,812. Do not raise it with Maine Office of Tourism’s $2.5 billion Maine Beaches visitor spend. Visitor dollars are not host years, and neighbor extracts are not your note.

36 percent occupancy is the file

Occupancy at 36.4 percent means well under half the available nights clear and more than half do not, on average, across the year. RevPAR of $255 already bakes those empty nights into the market. ADR of $708 is the rate band, and July is the ADR peak, not the year. Lenders who underwrite from one August calendar export will overstate nights and understate January. Bring the dated extract, and bring the peak three and the hole three. Bring the clear Keep so the file stays honest. August is the occupancy high, and january is the occupancy floor.

Lead time averages 97 days and average stay is 5 nights. Those are booking-cadence facts, not coverage facts, but they explain why a trailing twelve will not look like a sold August. Two-night floors sit at 8.9 percent of the market. Thirty-plus floors sit at 53.8 percent as a setting, not as booked winter. New York then Boston are the feeders. A lender who wants a fully automated 70 percent story is reading the wrong town. A lender who wants leftover July-only seasonality is reading the wrong calendar.

March is a low, and september is a peak. Stress the hole on purpose. If the deal still stands when January, February, and March earn like hole months, you have a conversation. If the deal requires those months to impersonate August, you have a no.shoulder pageis the calendar exhibit. This page is the credit translation. Do not replace either exhibit with a screenshot of one sold Saturday in August and call that screenshot the year.

An unlicensed lot is not a DSCR story

Town short-term stays need a Chapter 129 listings, and dock Square is town. A house that cannot list is not a short-term DSCR asset. It may be a second home, and it may be a long-term rental. It is not a weekend lockbox a lender should treat as $48,101 of pledged income. AirROI Moderate does not create a license, and a published market year does not create a license. A Dock Square walk does not create a listings. Planning at and the closed 2026 portal create the answer, and the answer for an unlicensed town house is no.

Ask for the license before you ask for coverage. Guests are already punished when a listing fakes Dock Square. A lender should not be less curious than a guest. Illegal signs , an unlicensed town house on Airbnb, a vacant house listed as a Dock Square walk, a seller who says the 2026 freeze is optional , are not a credit overlay. They are a shutdown risk. Underwrite that as binary, not as a haircut.

Therules fileis the ordinance exhibit. This page is the credit reading of that ordinance. Print the listings. Leave out unverified why a published market year sits without one. Do not paste the extract year onto an unlicensed published market year and call it conservative. Do not paste a Goose Rocks hope onto a town lot that is not on the Exhibit A map.

Nontransferable listings do not run as a gift

A Chapter 129 listings is paper a buyer must confirm, not a gift that lands with the deed. Licenses are nontransferable except a permitted transfer to a current owner, spouse, child, grandchild, sibling, niece or nephew, or a named estate-planning entity for those people. Any other sale needs a new license. Licenses do not move to a different dwelling. A purchase file that assumes the seller’s listings transfers without a Planning answer is already loose. A DSCR file that pledges nights during a gap you have not measured is pledging a shutdown. The 2026 portal is closed to new applications and renewals, so a sale that needs a new listings is not a 2026 listing story this page will underwrite.

A manager logo is not that object. Coastline’s nine homes and $264,690, and KPort’s seven homes and $409,819, are their books, sitting on whatever clerk those parcels actually have. Professional management at 23.4 percent does not make the listings run as a gift.buy fileowns the transfer path. This page only needs the credit translation: no paper, no pledged nights. Confirm with Planning at before you model the first Saturday.

Goose Rocks still needs a license even though those listings sit off the town-wide cap. A Kennebunk $250 clerk listings does not transfer onto a Kennebunkport APN. Confirm the live town page the week the loan committee meets. A listings you have not re-read is a takeout risk, a refinance risk, and a sale risk. Put that sentence in the memo before anyone talks coverage. A permitted family transfer is still a Planning answer, not a closing assumption.

Second-home versus investment on this published market year

A second-home file asks whether the household can carry the house when the lockbox is quiet. on this market sample the quiet is not hypothetical. January is the occupancy floor. March closes a low that leftover beach language still tries to deny. $4,906 is a median month, labeled clear, not twelve Augusts and not a coupon. If the note only works when every month prints peak, you do not have a second home with upside. You have a payment that needs a season the file did not print.

A DSCR or investment file asks whether rental income covers the debt on terms a specific lender will actually offer. This packet will not guess those terms. It will not name a local DSCR product. It will not convert $48,101 into a coverage ratio without a purchase price this page also will not guess. What it will say is that 36.4 percent occupancy and a portal that may say no are hard inputs. Household income is what keeps a second home honest when those inputs fail in January and again in March.

Choose the file that matches how you will actually use the house. Personal August weekends plus a legal listing in the other weeks is a second-home story, and it still needs the listings, Maine 9 percent lodging tax, and a number that answers. A house that must clear DSCR on trailing host math is a tighter story.remote-stay fileis the thirty-plus exhibit, not a winter occupancy claim.

What a lender will ask that marketing cannot answer

A serious lender will ask for the dated AirROI extract, not a blog recap. They will ask for trailing twelve on the actual house if it has one, and they will haircut a vacant-house pro forma that looks like twelve Augusts. They will ask whether the parcel is inside Kennebunkport, whether a Chapter 129 listings exists, whether the 2026 freeze language includes that listings, and whether Maine lodging-tax remittance is in hand. They will ask who answers the phone. They will ask about the hole. January, February, and March need a reserve story or a second-home income story.

They will ask about cleaning and vacancy, because RevPAR at $255 already admits empty nights and the median clean is $301. They will ask whether winter is being sold as leftover beach. The honest answer is no. They will ask whether 53.8 percent at 30-plus means winter is booked. The honest answer is that it is a listing setting, and the town short-term path is still stays of less than 30 consecutive days.

They should also ask what marketing cannot put in the memo. Purchase prices this page does not have. Local DSCR product names this page will not guess. Comps from Kennebunk’s $47,644 or Ogunquit’s $33,812 used as if they were this note. A blend Maine Beaches visitor dollar. A Kennebunkport-only visitor line this cluster refused to guess.tourism filealready refused to divide $2.5 billion. If your package needs those inventions to clear, the package is not ready.

Kennebunk’s $47,644 is a different extract

Kennebunk prints a $47,644 year on its own AirROI extract, next to ADR $552, occupancy 39.9 percent, and. That is a clerk-and-fire town. It is a different market, a different identity, and a different desk. It is not your Kennebunkport median month. It is not a target you may use to mark $4,906 up. Ogunquit prints $33,812 as a year, which is also not your note. The.compare pageexists so those years stay labeled as different guests. A loan memo that borrows a neighbor year to fatten a Kennebunkport worksheet is not conservative.

Visitor-economy neighbors fail the same test. Maine Office of Tourism’s $2.5 billion is Maine Beaches visitor spend. It is not pledged income, and it is not lodging tax. It does not fill January. A lender who wants a York County blended year is asking you to import someone else’s desk. Refuse. Kennebunkport is $48,101 clear and $4,906 clear on 158 listings at 36.4 percent occupancy. That is the whole geography of the note.

Named operator books do not rescue a thin file either. Coastline’s nine homes and $264,690, and KPort’s seven homes and $409,819, are their trailing revenue, not your coverage. Do not staple their totals to a one-house DSCR worksheet. Do not staple an August Saturday to a debt-service ratio. Neighbor years, neighbor visitor totals, and neighbor books are context.downtown filekeeps Dock Square and Goose Rocks from blending into one pledged published market year.

When to wait

A clear year can still be a wait. $48,101 and $4,906 do not rescue a town lot that cannot list. They do not rescue a model that needs twelve Augusts. They do not rescue a Goose Rocks driveway underwritten as a Dock Square walk. They do not rescue a file that treats 36.4 percent occupancy as a marketing problem rather than the stress case. Occupancy is already the warning label. Ignore it and the answer is wait even though a seller wants August to speak for the year. We do not make the loan that pretends otherwise.

A narrow yes looks like a parcel that can actually list, a current listings in hand or a Planning answer you can screenshot, stay lengths that match the clerk, household income that can carry January, and a listing that picks one published market year. The extract stays labeled. August is not the model month. New York remains the feeder you can name without a tourism invention. Cleaning, photos, and a reserve are funded before the first guest.

That can be a second home with a listing. It can be a DSCR conversation only if a real lender, using real terms, still clears after a hole-month haircut. If you are between those poles, do not buy time with a markdown or a fake peak. Fix the clerk, and fix the reserve. Fix the first screen. Then bring the file back to the same clear numbers.

Related Reading

More Kennebunkport and Southern Maine Coast reading already live on Crest & Cove.

• 158 Listings and a $48,101 Year: Kennebunkport 2026

• Kennebunkport STR Rules: 2026 Freeze vs Goose Rocks

• How to Market a Kennebunkport Stay Against Coastline

• Kennebunkport Freeze vs Kennebunk Registration in 2026

• How to Market a Kennebunkport or Ogunquit Week Stay

• DIY vs Hire in Kennebunkport: 23% PM and Coastline

• Kennebunkport Shoulder: August Peaks, January Is the Hole

• Kennebunkport 30-Night Stays: 54% Already Gate Dates

• Who Books Kennebunkport, Kennebunk, and Ogunquit Stays

• Buying a Kennebunkport License: It Does Not Transfer

• Maine Beaches $2.5B Visitor Spend Is Not Host Year

• Complete Visitor's Guide to Kennebunkport: Dock Square

• What It Actually Costs to Start a Kennebunkport STR

• Dock Square vs Goose Rocks: Which Kennebunkport published market year

Frequently Asked Questions

What do $48,101 and $4,906 mean to a Kennebunkport DSCR desk?

They're host figures on AirROI's 2026-08-08 Kennebunkport extract -- a typical active year and a median month, both on a CLEAR line -- next to ADR $708 and 36.4 percent occupancy, giving RevPAR $255. They're not a purchase price, not a coverage ratio, and not twelve Augusts, and they shouldn't be raised alongside Kennebunk's separate $47,644 figure.

Why is 36 percent occupancy the Kennebunkport stress file?

Occupancy at 36.4 percent describes a compressed-coast town, not a 70-percent resort; RevPAR at $255 already bakes empty nights into the figure. August, July, and September are the peak three, while January, February, and March form the hole, with January the occupancy floor. Expect a lender to ask about cleaning and vacancy too, since the median clean runs $301.

Can an unlicensed Kennebunkport lot be a DSCR asset?

Town short-term rentals need a Chapter 129 license, and the 2026 portal is currently closed to new applications and renewals. A regulation label from a market-data tool isn't the license, and a Dock Square walk isn't proof of one either. If Planning confirms there's no available license, the DSCR story stops -- the house may still work as a second home.

Does a Kennebunkport Chapter 129 license transfer as a gift?

Licenses are nontransferable except for a permitted transfer to a named family member or through an estate-planning file; any other sale requires a new license application. Since the 2026 portal is closed, a purchase that depends on a new license isn't a workable 2026 plan. A DSCR file that pledges nights against an unmeasured licensing gap is pledging a shutdown -- confirm with Planning first.

Should I underwrite Kennebunkport as DSCR or as a second home?

A second-home file asks whether household income can carry January, February, and March. A DSCR file asks whether rental income covers debt on terms a real lender will actually offer. This packet won't guess a local DSCR product or a purchase price, and if the note only works when every month prints like August, it isn't a conservative file.

What will a lender ask that Kennebunkport marketing copy can't answer?

The dated extract, trailing twelve months if the house has one, proof the parcel sits in town, a current Chapter 129 license, lodging-tax remittance, stay lengths that match the clerk's definition, a phone number that actually answers, and a hole-month reserve or second-home income story. A 53.8 percent setting at 30-plus nights is a listing setting, not booked winter.

Why isn't Kennebunk's $47,644 my Kennebunkport year?

Kennebunk's $47,644 comes from a different AirROI extract, next to ADR $552, 39.9 percent occupancy, and 237 listings -- a distinct clerk-and-fire town. Ogunquit's $33,812 is another separate neighbor year. A loan memo that borrows either figure to fatten a Kennebunkport worksheet is a remesh, not conservative underwriting; keep $4,906 as the median month on this market's own published year.

When should I wait on a Kennebunkport DSCR or purchase file?

Wait when the lot has no Chapter 129 license, when the model needs twelve Augusts to work, when a Goose Rocks driveway is underwritten as though it were Dock Square, or when 36.4 percent occupancy is treated as a marketing problem instead of the published figure. A narrow yes looks like paper in hand and household income that can carry January.

What number should a Kennebunkport DSCR model actually start from?

Start from the $4,906 median month, not from August or from a local DSCR product this packet won't name. None of that converts $48,101 into a mortgage constant, and this page won't guess the price, rate, or tax stack required to pretend it does -- those figures come from the lender's own underwriting process, not from published market research.

Is any of this legal or financial advice?

No. This guide describes published AirROI research and town contact information as documented, but it isn't legal or financial advice, and it doesn't guess at license approval odds, fees, or lending terms the published research doesn't support. Confirm current Chapter 129 requirements with the Town of Kennebunkport and any financing terms with a qualified lender directly.

Work with Crest & Cove Creative

A Kennebunkport listing that markets a Goose Rocks driveway with Dock Square photos is selling a location that isn't there. This property's own numbers are a $4,906 median month and 36.4 percent occupancy, not a downtown premium.

We write Kennebunkport listing copy that keeps a Goose Rocks address honest about its own season and occupancy, never dressed up as Dock Square. Send us the listing and we'll rebuild the story around this property's own $4,906 month.

Reach out at crestcove.co or (256) 998-7502.