FIX & FLIP LOANS · Maine (ME) Underwriting Matrix

Maine Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Maine Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 Business Days close). In Maine (ME), lenders underwrite to a Judicial (or Commercial Corporate Power of Sale) statutory framework (180–260 days-day average timeline), a 1.24% average property tax rate (~$398/mo at the $385,000 state median), and $470/$100K hazard insurance (~$151/mo).

Max Leverage / LTC

Up to 90% Purchase + 100% Rehab (75% ARV Cap)

Min FICO: 620 – 660+ FICO

2026 Rate Band

9.25% – 11.25% Interest-Only

12 – 18 Months Interest-Only (No Prepayment Penalty)

ME Security Instrument

Judicial (or Commercial Corporate Power of Sale)

180–260 days days avg timeline

ME Avg Tax & Ins

1.24% Tax

$470/$100K Hazard Ins

How Fix & Flip Loans Work in Maine (ME)

Fix and flip loans finance both the distressed property purchase (up to 85%–90% of purchase price) and 100% of the renovation budget via milestone draw reimbursements, capped at 70%–75% of After-Repair Value (ARV). Interest is charged only on disbursed funds on select wholesale shelves, with zero prepayment penalty upon resale or DSCR refinance.

1. Maine Median Benchmark

Median 1–4 unit price of $385,000 (75% LTV = $288,750) with Form 1007 rent of $2,750/mo and multifamily rent of $1,590/door.

2. Escrow & Title Underwriting

Maine operates under a Judicial (or Commercial Corporate Power of Sale) regime (180–260 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (7 – 10 Business Days)

Close in your Maine LLC or Delaware LLC registered in ME with zero personal tax returns, W-2s, or 4506-C transcripts.

Explore Other Programs in Maine

Maine DSCR Loans (Up to 80% LTV Purchase / 75% Cash-Out)Maine Hard Money Loans (Up to 85%–90% LTC / 75% ARV)Maine Private Money Loans (Up to 80% LTV / 85% LTC)Maine Bridge Loans (Up to 80% LTV Acquisition / 75% Bridge Cash-Out)Maine Ground-Up Construction (Up to 85% LTC / 70%–75% Completed ARV)Maine Multifamily (5+ Units) (Up to 75%–80% LTV Purchase / 70%–75% Cash-Out)Maine Commercial Property (Up to 75% LTV)Maine Rehab & BRRRR Loans (Up to 85%–90% LTC + 100% Rehab Escrowed)Maine Cash-Out Refinance (Up to 75% LTV Cash-Out (Select 80% LTV Tiers))