Data as of Aug 25, 2026 · Based on 321 AI responses from ChatGPT Search and Google AI Mode · See how Parse measures this
Finding the right hard money lender for a Portland vacation flip depends on your priority: local expertise versus national speed. Firms like 
Brands AI recommends here
Named in 64% of answers
A top choice for investors requiring rapid, standardized financing for renovations. They offer specialized, fast-acting loan products for flips and may be easier for some to navigate than smaller firms.
Named in 63% of answers
Suited for investors looking for high leverage and fast, simple approvals. Their statewide presence and range of products make them a versatile option for various experience levels and project types.
Named in 41% of answers
Named in 38% of answers
Ideal for investors wanting local Portland expertise. With over 25 years of experience, they provide private financing specifically tailored to the local residential and commercial real estate market.
Source | Citation share |
|---|---|
Fix and Flip Loans Maine - Rental Portfolio Financing | Lima Onehttps://www.limaone.com/maine-hard-money-lender/ | 7.9% |
Maine Hard Money Loans | Easy Street Capitalhttps://www.easystreetcap.com/hard-money-loan-maine/ | 5.5% |
 Hard Money Loans in Maine — Up To 80% LTV, Fast Closehttps://www.equitymax.com/maine-hard-money-loans/ | 5.1% |
 Maine Hard Money Lender | Real Estate Investor Loanshttps://unitasfunding.com/maine-hard-money-lender-real-estate-investor-loans-unitas-funding | 4.8% |
 Hard Money Lenders Maine | Fix and Flip Financinghttps://www.ridgestreetcap.com/hard-money-lenders-maine | 4.3% |
 Hard Money Loans - Maine - Aloha Capitalhttps://alohaprivatelending.com/hard-money-loans-maine/ | 4.2% |
Hard Money Loans Portland, ME - Breakwater Commercial Capitalhttps://breakwatercommercialcapital.com/loan-types/hard-money-loans-portland-me/ | 4.1% |
 Maine Hard Money Lenders | Fast Approvalhttps://www.ablfunding.com/where-we-lend/maine/ | 4.0% |
 Anchor Loanshttps://www.anchorloans.com/state-resources/maine | 3.0% |
 Top Hard Money Lenders in Maine [Real Estate Bees] ME Real Estate Investment Property Loans Near Mehttps://realestatebees.com/resources/hard-money/me/ | 2.7% |
When tackling a vacation home flip near Portland, Maine, "the best" hard money lender depends on whether you value a hyper-local regional lender who knows the Cumberland County market intimately or a national private lender with higher leverage and streamlined institutional processes. Top-rated hard money lenders…
When tackling a vacation home flip near Portland, Maine, "the best" hard money lender depends on whether you value a hyper-local regional lender who knows the Cumberland County market intimately or a national private lender with higher leverage and streamlined institutional processes.
Top-rated hard money lenders active in the Maine fix-and-flip space include:
To help narrow down the best fit for your specific project, tell me:
- **Bridgepoint Capital** - 63 Federal St, Portland, ME 04101 - **T&M Commercial Funding** - 134 Main St 5th Floor, Lewiston, ME 04240, United States - **Select Realty Capital** - 183 Middle St Ste 201, Portland, ME 04101, United States
If you mean a vacation-home flip in/around Portland, Maine, I’d put Revelry Investments at the top of the local shortlist, but I would get competing term sheets before committing.
For a vacation rental specifically, I'd pay particular attention to whether the lender is comfortable with the intended Airbnb/STR exit, not merely the renovation. A lender may happily finance the flip but have different requirements if your plan is to keep the property as a vacation rental instead of selling.
If you give me these 5 numbers, I can tell you which lender/loan structure looks best and calculate the deal's maximum purchase price:
I can also compare 3–5 Maine lenders side-by-side on rate, points, max leverage, rehab funding, term, and likely cash required at closing.
For a vacation home flip near Portland, Maine, a few regional and national private lenders stand out for their local market familiarity, speed, and strong track record with fix-and-flip financing: - **The Raymond C. Green Companies** : Highly regarded as a premier private lender serving Southern Maine . They have a…
For a vacation home flip near Portland, Maine, a few regional and national private lenders stand out for their local market familiarity, speed, and strong track record with fix-and-flip financing:
To help narrow down the best fit for your specific deal, tell me:
- **Bridgepoint Capital** - 63 Federal St, Portland, ME 04101 - **Select Realty Capital** - 183 Middle St Ste 201, Portland, ME 04101, United States - **Richard Airey at CrossCountry Mortgage** - 778 Main St Ste 6, South Portland, ME 04106, United States
If you mean Portland, Maine, my first call for a vacation-home flip would be Ridge Street Capital. They have unusually specific Maine flip experience, including a documented Portland, ME deal, and publish terms of up to 75% of ARV, with examples of 90% of purchase + 100% of rehab. Their published example was 10.5% interest and 2 points.
If this is a non-owner-occupied vacation property that you're renovating and reselling, the lenders above make sense.
If you intend to personally use it as a vacation/second home, tell the lender that upfront. That's a materially different underwriting situation from an investment flip, and some hard-money programs specifically require non-owner occupancy.
For your deal, I wouldn't choose based on headline interest rate alone. I'd get simultaneous term sheets from Ridge Street, Bridgepoint, Lima One and ABL and compare:
If you give me the purchase price, estimated rehab, ARV, and whether it's on the coast / lake / ski area, I can run the deal economics and tell you which lender structure is likely to leave you with the best return on cash, rather than just naming the lender with the lowest advertised rate.
- **Select Realty Capital** - 183 Middle St Ste 201, Portland, ME 04101, United States - **T&M Commercial Funding** - 134 Main St 5th Floor, Lewiston, ME 04240, United States - **Acquire REI Capital** - Portage Lake, ME 04768
If you mean Portland, Maine, and this is a vacation/short-term-rental property you plan to renovate and then sell or refinance, I’d put Asset Based Lending (ABL) at the top of the call list, with Lima One and a couple of local Maine lenders as comparisons.
If by vacation home you mean you'll operate it as an Airbnb/short-term rental after the renovation, don't automatically use a conventional flip loan. You want the lender to understand the exit strategy.
For example, a hard-money lender might fund:
Purchase → renovation → short-term rental → refinance into DSCR loan
rather than requiring you to sell immediately.
That's where the financing gets interesting. Longleaf, for example, advertises Portland DSCR financing for both short- and long-term rentals, up to $2M and up to 80% LTV, with rates advertised starting at 6.6%.
I'd send the same deal package to ABL, Select Realty Capital, Lima One and T&M and make them compete. Don't choose based simply on the lowest rate. Compare:
If you give me the purchase price, renovation budget, estimated ARV, location (town), your credit score, and whether you're selling or keeping it as an Airbnb, I can run the deal through the likely lender structures and tell you which lender I'd approach first and roughly how much cash you'd need to bring to closing.
rather than requiring you to sell immediately.
That's where the financing gets interesting. Longleaf, for example, advertises Portland DSCR financing for both short- and long-term rentals, up to $2M and up to 80% LTV, with rates advertised starting at 6.6%.
I'd send the same deal package to ABL, Select Realty Capital, Lima One and T&M and make them compete. Don't choose based simply on the lowest rate. Compare:
If you give me the purchase price, renovation budget, estimated ARV, location (town), your credit score, and whether you're selling or keeping it as an Airbnb, I can run the deal through the likely lender structures and tell you which lender I'd approach first and roughly how much cash you'd need to bring to closing.
When looking for the "best" hard money lender for a vacation home fix-and-flip near Portland, ME, the right choice depends on your specific experience level, how fast you need to close, and whether you want a local regional private lender or a large national firm that lends in Maine. Average hard money rates in the…
When looking for the "best" hard money lender for a vacation home fix-and-flip near Portland, ME, the right choice depends on your specific experience level, how fast you need to close, and whether you want a local regional private lender or a large national firm that lends in Maine.
Average hard money rates in the Portland market hover around 10.0% - 10.8% with roughly 2 points origination fees and maximum Loan-to-Value (LTV) ratios around 70% - 75%.
Top contenders for funding a fix-and-flip in the Greater Portland area include:
To help narrow down the best specific fit, let me know:
When executing a vacation home flip near Portland, Maine, "the best" hard money lender depends slightly on your experience level and liquidity . Because Maine doesn't have an overwhelming number of massive brick-and-mortar private lending institutions, most real estate investors rely on regional New England private…
When executing a vacation home flip near Portland, Maine, "the best" hard money lender depends slightly on your experience level and liquidity . Because Maine doesn't have an overwhelming number of massive brick-and-mortar private lending institutions, most real estate investors rely on regional New England private lenders or top-tier national direct lenders with active footprints in Cumberland County.
Average hard money rates in Maine hover around $10.50% to $11.00% interest with 2 to 3 origination points, and maximum leverage usually caps around 70% to 75% of the After Repair Value (ARV).
Top choices for funding a fix-and-flip near Portland include:
To help narrow down the best specific fit, let me know:
If you mean **Portland, Maine**, I’d put **Asset Based Lending (ABL)** at the top of the list for a vacation-home flip, with **Ridge Street Capital** and **Lima One** as the next calls. ### My shortlist 1. **Asset Based Lending — best overall**
If you mean Portland, Maine, I’d put Asset Based Lending (ABL) at the top of the list for a vacation-home flip, with Ridge Street Capital and Lima One as the next calls.
Asset Based Lending — best overall
Ridge Street Capital — best Portland-specific flip experience
Lima One Capital — best large national alternative
T&M Commercial Funding — worth getting a local quote
If your strategy is buy → renovate → sell, that's straightforward hard-money territory.
If instead you mean buy → renovate → operate as a short-term vacation rental, I'd structure the financing differently. You may be better off using hard money for acquisition/rehab and then refinancing into a DSCR/short-term-rental loan once the property is stabilized. Lima One explicitly offers both fix-and-flip and rental financing.
My first three calls would be ABL, Ridge Street, and Lima One, and I'd make them compete on LTC, ARV/LTV, rate, points, draw fees, extension fees, minimum interest, and whether they count projected STR income in the exit/refi analysis.
If you give me the purchase price, rehab budget, expected ARV, and whether you're selling or keeping it as an Airbnb/VRBO, I can run the deal economics and tell you which lender structure is likely to give you the best return on cash invested.
If you mean **Portland, Maine**, my first call would be **Select Realty Capital** for a true local hard-money relationship. It’s Portland-based and focused on private/bridge financing for real-estate investors.…
If you mean Portland, Maine, my first call would be Select Realty Capital for a true local hard-money relationship. It’s Portland-based and focused on private/bridge financing for real-estate investors. hardmoneyadvisor.com citeturn0business0
That said, I’d shop 3 lenders simultaneously because the “best” lender depends heavily on your purchase price, ARV, rehab budget, experience, and whether this is a normal flip or a vacation/short-term-rental property.
| Lender | Why I'd consider them | Key published/observed terms |
|---|---|---|
| Select Realty Capital | Best local relationship candidate | Portland-based; private/bridge investor financing |
| T&M Commercial Funding | Strong Maine hard-money option; specifically caters to non-owner-occupied investment property | Maine-based direct lender; purchase/rehab/bridge/cash-out |
| Atlantic National Trust | Established Portland private-capital shop; useful for more complex deals | Acquisition, construction/renovation, fix-and-flip and development financing |
| Lima One Capital | Strong national alternative if you want standardized investor lending | Maine fix-and-flip financing; in-house servicing/construction draws www.limaone.com |
| Ridge Street Capital | Worth getting a competing quote | Recently published Maine example: 90% purchase + 100% rehab, 10.50%, 2 points, 75% max LTARV in its example www.ridgestreetcap.com |
| ABLFunding | Good quote to benchmark against | Says Maine loans can be approved within 24 hours and close in ~10 days; offers fix/flip bridge financing www.ablfunding.com |
If you are buying a vacation property, renovating it, and selling it, tell the lender explicitly that it's an investment-property fix-and-flip, not a second-home mortgage. If your exit is instead to keep it as a short-term rental, you want a lender that can transition you into a DSCR/rental loan.
For example, Lima One offers both fix-and-flip and rental/investor programs in Maine.
I would not choose based on the lowest advertised rate. For a flip, I'd rank lenders roughly:
If you give me the purchase price, estimated rehab, ARV, property location, your approximate credit score, and whether you've done flips before, I can run the deal economics and tell you which 2–3 Maine lenders I'd approach first and what loan terms I'd try to negotiate.
There is no single "best" hard money lender for a vacation home flip near Portland, ME, because the right choice depends heavily on your **experience level**, **liquidity** , and **rehab scope** . Because Portland and the surrounding coastal vacation markets (like Casco Bay and southern coastal towns) are competitive,…
There is no single "best" hard money lender for a vacation home flip near Portland, ME, because the right choice depends heavily on your experience level, liquidity , and rehab scope . Because Portland and the surrounding coastal vacation markets (like Casco Bay and southern coastal towns) are competitive, you want a direct lender that offers high leverage and fast draw schedules.
Top-tier hard money lenders active in the Portland and Maine residential flip market include:
To help narrow down which of these lenders fits your project best, tell me:
