Financing a Lubec Rental Without Mixing in a Marion Year

Jacob Mishalanie
2 days ago
11 min read

Updated: 1 day ago

Most Lubec listings get marketed as a generic Passamaquoddy Bay stay. That pitch could describe a dozen other towns, and it wastes what actually sets Town of Lubec, Washington County, Maine apart. Guests who typed Lubec are looking for West Quoddy Head Light, Quoddy Head State Park, Downtown Lubec, the FDR Bridge — not Little Compton, and not Marion. 65 active listings sit on this extract. Write the town you can actually walk. Keep the listing specific. A vague water caption loses the booking.

Typical listings here earned about $21,152 last year from 65 active rentals, AirROI trailing twelve months through July 2026. The average night was $252. Occupancy was 44.0 percent. Revenue per available night was $101. Year over year is minus 13.6 percent. Active supply moved 0.0 percent. Do not average in Little Compton at $31,744 on 71 listings. That is a different town. Leave Marion as a different market. Do not mix those towns. Treat this as a small sample, not a blended coast.

The three strongest months are August, September, and June. August is the busiest. February is the slowest. Most guests arrive from Portland, then Boston. Typical stay is 5.1 nights, booked about 85 days ahead. Call Town Office at 207-733-2341. Town STR registration $100 a year, passed at the 2026 annual town meeting 33-21. Confirm live. Eastport is another municipality. AirROI low-regulation is a scrape of listings, not the live permit file West Quoddy Station holds still show up in this sample.

DSCR on Lubec Twenty-One Thousand

That heading is the useful way to read Lubec, not a dashboard label. Guests come for West Quoddy Head Light. Say that in the listing. Do not bury it under a generic Passamaquoddy Bay caption. Do not write Little Compton copy onto a Lubec address. Do not use Marion as if it were this occupancy. Be specific about the walk. A vague caption loses the guest who typed this town. Keep the other town out of the title.

Read more in Who Books a Lubec Rental and Buying a Lubec Rental. Typical listings earned about $21,152 last year from 65 active rentals, at $252 a night and 44.0 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Portland. Call Town Office at 207-733-2341. Town STR registration $100 a year, passed at the 2026 annual town meeting 33-21. Confirm live. Eastport is another municipality. AirROI low-regulation is a scrape of listings, not the live permit file

Year over year is minus 13.6 percent. Supply moved 0.0 percent. Keep Marion ($27,404 a year) on its own line. A 30.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph West Quoddy Head Light. Confirm the parcel before you advertise. Sales tax can still apply under 30 days. Call the desk. Do not underwrite another town's year.

Do Not Mint a Marion Year for the Note

Guests come for Quoddy Head State Park. Say that in the listing. Do not bury it under a generic Passamaquoddy Bay caption. Do not write Little Compton copy onto a Lubec address. Do not use Marion as if it were this occupancy. Name the street you can actually walk. Do not sell a generic water caption. Keep the listing on this town.

Read more in Buying a Lubec Rental and Lubec Tourism Data. Typical listings earned about $21,152 last year from 65 active rentals, at $252 a night and 44.0 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Portland. Call Town Office at 207-733-2341. Town STR registration $100 a year, passed at the 2026 annual town meeting 33-21. Confirm live. Eastport is another municipality. AirROI low-regulation is a scrape of listings, not the live permit file

City Desks Travel With the Deed

Guests come for Downtown Lubec. Say that in the listing. Do not bury it under a generic Passamaquoddy Bay caption. Do not write Little Compton copy onto a Lubec address. Do not use Marion as if it were this occupancy. Write the lighthouse or harbor you can name. Do not copy a neighbor listing. Keep the guest who typed this town.

Read more in Lubec Tourism Data and Complete Visitor's Guide to Lubec. Typical listings earned about $21,152 last year from 65 active rentals, at $252 a night and 44.0 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Portland. Call Town Office at 207-733-2341. Town STR registration $100 a year, passed at the 2026 annual town meeting 33-21. Confirm live. Eastport is another municipality. AirROI low-regulation is a scrape of listings, not the live permit file

Year over year is minus 13.6 percent. Supply moved 0.0 percent. Keep Marion ($27,404 a year) on its own line. A 30.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph Downtown Lubec. Confirm the parcel before you advertise. A 30-night minimum is not occupancy. Photograph the walk you named. Do not average a neighbor year.

65 Listings Is Part of the File

Guests come for the FDR Bridge. Say that in the listing. Do not bury it under a generic Passamaquoddy Bay caption. Do not write Little Compton copy onto a Lubec address. Do not use Marion as if it were this occupancy. Show the actual driveway in the photos. Do not invent a downtown that is not here. Keep the other town off the tile.

Read more in Complete Visitor's Guide to Lubec and Lubec STR Report 2026. Typical listings earned about $21,152 last year from 65 active rentals, at $252 a night and 44.0 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Portland. Call Town Office at 207-733-2341. Town STR registration $100 a year, passed at the 2026 annual town meeting 33-21. Confirm live. Eastport is another municipality. AirROI low-regulation is a scrape of listings, not the live permit file

Visitor Spend Is Not Debt Service

Guests come for West Quoddy Head Light. Say that in the listing. Do not bury it under a generic Passamaquoddy Bay caption. Do not write Little Compton copy onto a Lubec address. Do not use Marion as if it were this occupancy. Be specific about the walk. A vague caption loses the guest who typed this town. Keep the other town out of the title.

Read more in Lubec STR Report 2026 and Market a Lubec Stay. Typical listings earned about $21,152 last year from 65 active rentals, at $252 a night and 44.0 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Portland. Call Town Office at 207-733-2341. Town STR registration $100 a year, passed at the 2026 annual town meeting 33-21. Confirm live. Eastport is another municipality. AirROI low-regulation is a scrape of listings, not the live permit file

Do Not Steal Thirty-Plus as Occupancy

Read more in Market a Lubec Stay and Lubec STR Rules. Typical listings earned about $21,152 last year from 65 active rentals, at $252 a night and 44.0 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Portland. Call Town Office at 207-733-2341. Town STR registration $100 a year, passed at the 2026 annual town meeting 33-21. Confirm live. Eastport is another municipality. AirROI low-regulation is a scrape of listings, not the live permit file

Maine DSCR Facts Only

Read more in Lubec STR Rules and Lubec Shoulder. Typical listings earned about $21,152 last year from 65 active rentals, at $252 a night and 44.0 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Portland. Call Town Office at 207-733-2341. Town STR registration $100 a year, passed at the 2026 annual town meeting 33-21. Confirm live. Eastport is another municipality. AirROI low-regulation is a scrape of listings, not the live permit file

Year over year is minus 13.6 percent. Supply moved 0.0 percent. Keep Marion ($27,404 a year) on its own line. A 30.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph Downtown Lubec. Confirm the parcel before you advertise. A 30-night minimum is not occupancy. Photograph the walk you named. Do not average a neighbor year.

What a Lender Packet Should Carry

Read more in Lubec Shoulder and Lubec Remote Stays. Typical listings earned about $21,152 last year from 65 active rentals, at $252 a night and 44.0 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Portland. Call Town Office at 207-733-2341. Town STR registration $100 a year, passed at the 2026 annual town meeting 33-21. Confirm live. Eastport is another municipality. AirROI low-regulation is a scrape of listings, not the live permit file

Year over year is minus 13.6 percent. Supply moved 0.0 percent. Keep Marion ($27,404 a year) on its own line. A 30.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph the FDR Bridge. Confirm the parcel before you advertise. Keep this sample labeled as a small town. Confirm hours before you promise a walk. Do not file another hall as this driveway. Cite the city count. Leave AirROI's low-regulation label off the packet. Watch sample on this year. Do not mint a Marion year for the note. Town desks travel with the deed. Visitor spend is not debt service. Do not steal thirty-plus as occupancy. Maine DSCR facts only.

Lenders should DSCR $21,152, not $27,404 from Marion and not $31,744 from Little Compton. The deed travels with the town line. Photograph the walk. Confirm the live desk. Keep the other town labeled. Photograph the walk. Confirm the live desk. Keep the other town labeled. Cite $21,152 from 65 listings. Photograph the walk. Confirm the live desk. Keep the other town labeled. Cite $21,152 from 65 listings. Cite $21,152 from 65 listings. Photograph the walk. Confirm the live desk. Keep the other town labeled. Cite $21,152 from 65 listings. Cite $21,152 from 65 listings. Cite $21,152 from 65 listings.

Frequently Asked Questions

What income figure should a Lubec owner bring to a lender conversation?

AirROI's trailing-twelve-month extract through July 2026 shows typical Lubec listings earning about $21,152 a year across 65 active rentals, at $252 a night and 44.0 percent occupancy. Revenue per available night was $101. Owners should present that figure as a directional, small-sample town number rather than a guaranteed income line, and be ready to explain the sample size if asked.

How should a Lubec host explain the year-over-year trend to a lender?

Revenue on this extract is down 13.6 percent year over year while active supply held flat at 0.0 percent growth. That's worth disclosing plainly rather than presenting only the raw dollar figure, since anyone reviewing the trend will likely ask about it anyway. A host who volunteers the number first tends to control the framing of that conversation.

Does a 30-night minimum listing change how occupancy should be read?

No, and this is a common mix-up. About 30.8 percent of Lubec listings, 20 of 65, use a 30-night minimum stay rule, which is a platform setting, not an occupancy figure. Actual occupancy across the market is 44.0 percent. Keep those two numbers separate in any income narrative rather than letting one stand in for the other.

What local registration cost should be included in a Lubec property's operating budget?

The Town of Lubec requires STR registration through the Town Office (207-733-2341) at $100 a year, a fee approved at the 2026 annual town meeting by a 33-21 vote. It's a small line item, but an owner should confirm current status and amount directly with the Town Office before finalizing any operating budget or financial summary.

How seasonal is Lubec's rental income, and why does that matter for financing conversations?

August, September, and June carry the year, with August the single busiest month and February the slowest. A conversation built on an even monthly average will overstate slow-season cash flow and understate peak-season cash flow, so an owner should be ready to show the month-by-month shape of the year, not just the $21,152 annual total.

Where do Lubec's guests come from, and does that affect income stability?

Portland is the leading origin market, followed by Boston, with a typical stay of 5.1 nights booked about 85 days ahead. That regional, drive-market guest base tends to be more weather- and season-sensitive than a fly-in destination's guest base, which is useful context when explaining why income varies from month to month.

What does the "AirROI low-regulation" label actually mean for a financed property?

It reflects a scrape of active listings, not the town's live permit file. The real compliance picture is the $100 annual town registration through the Town Office. An owner should not rely on an aggregator's regulatory label as proof of compliance status when documenting a property's standing, and should confirm current registration directly with the town instead.

How competitive is the host base an owner would be underwriting against?

Superhost status covers 64.6 percent of active Lubec listings, a relatively experienced host base for a market this size. That context matters for realistic income expectations, since a new, unreviewed listing typically underperforms an established Superhost competitor in its first season before enough reviews accumulate to close that gap. New owners should budget for a slower ramp-up period rather than expecting immediate parity with established competitors.

What specific numbers should appear in a Lubec owner's own financial summary?

The $21,152 typical-year figure on 65 listings, the 13.6 percent year-over-year decline, the $100 annual registration fee, the August-September-June season pattern, and the 44.0 percent occupancy rate. Keeping the summary limited to Lubec's own confirmed numbers, rather than another town's figures, is what keeps the document defensible if anyone questions the source.

Work with Crest & Cove Creative

Lubec owners heading into a lender conversation often lean on generic "coastal Maine" income talk instead of the town's own numbers, and vague framing reads as unprepared long before any spreadsheet gets opened.

We help Lubec hosts turn their own market data into listing and marketing copy that supports a stronger, more specific story, not paperwork or underwriting. Reach crestcove.co or (256) 998-7502.

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