Data as of Sep 3, 2026 · Based on 333 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 65% 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 64% 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 37% 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/ | 5.0% |
 Maine Hard Money Lender | Real Estate Investor Loans | Unitas Fundinghttps://unitasfunding.com/maine-hard-money-lender-real-estate-investor-loans-unitas-funding | 4.7% |
 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/ | 4.0% |
 Maine Hard Money Lenders | Fast Approvalhttps://www.ablfunding.com/where-we-lend/maine/ | 3.9% |
 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% |
- **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 - **Breakwater Commercial Capital** - 31 Milk St #960833, Boston, MA 02109, United States
If the property is near Portland, Maine, my first call would be Select Realty Capital. It’s a local private lender focused on investor real estate and bridge-style financing, and its Portland location is a meaningful advantage for a vacation-home flip where local valuation, rehab scope, and exit strategy matter.
That said, I’d shop the deal with 3 lenders before choosing:
If you're buying, renovating and reselling the property, I'd underwrite it as a straight fix-and-flip rather than assuming the lender will treat it as a vacation rental. If the plan is to hold it as a short-term rental after renovation, the best financing could be substantially different.
For comparison, a current Maine lender advertises fix-and-flip financing up to 92.5% of project cost and 100% of rehab, while other Maine-market data puts typical hard-money rates around 11–12% with roughly 2–3 points.
I wouldn't choose the lender based on rate alone. For a Portland-area deal, I'd compare:
If you give me purchase price, estimated rehab, ARV, your cash available, and whether you're flipping or keeping it as an Airbnb/STR, I can run the deal and tell you which lender structure is likely to produce the best return—and how much cash you'll need to close.
I wouldn't choose the lender based on rate alone. For a Portland-area deal, I'd compare:
If you give me purchase price, estimated rehab, ARV, your cash available, and whether you're flipping or keeping it as an Airbnb/STR, I can run the deal and tell you which lender structure is likely to produce the best return—and how much cash you'll need to close.
When looking for the best hard money lender for a vacation home fix-and-flip near Portland, Maine, "best" depends on whether you prefer a national private lender with high leverage and streamlined tech or a local/regional portfolio lender who deeply understands the coastal Maine vacation market. Top options…
When looking for the best hard money lender for a vacation home fix-and-flip near Portland, Maine, "best" depends on whether you prefer a national private lender with high leverage and streamlined tech or a local/regional portfolio lender who deeply understands the coastal Maine vacation market.
Top options well-suited for a Portland-area flip include:
To help narrow down the exact right fit, tell me:
When looking for the "best" hard money lender for a vacation home fix-and-flip near Portland, Maine, the right choice depends on whether you prefer a prominent national private lender with high leverage and streamlined processes, or a regional/local portfolio lender familiar with the specific quirks of the Greater…
When looking for the "best" hard money lender for a vacation home fix-and-flip near Portland, Maine, the right choice depends on whether you prefer a prominent national private lender with high leverage and streamlined processes, or a regional/local portfolio lender familiar with the specific quirks of the Greater Portland coastal and vacation markets.
Top-rated options serving Maine real estate investors include:
To help narrow down which lender fits your specific project best, tell me:
- **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 - **Maine Capital Group** - 4 City Ctr, Fl 3, Portland, ME 04101
If you mean Portland, Maine, and this is a vacation-home/short-term-rental flip, I’d put Revelry Investments at the top of my local shortlist—but I would get competing term sheets before committing.
If you're buying → renovating → selling, I'd structure this as a fix-and-flip/investment loan, not a second-home mortgage.
If you're buying → renovating → keeping it as an Airbnb/STR, the best lender may be completely different. You'd potentially want bridge/hard money for acquisition + rehab, followed by DSCR financing once the property is stabilized.
For a vacation-rental project, I'd specifically ask each lender:
My recommendation: Get simultaneous quotes from Revelry, PML, and Ridge Street. The "best" lender will depend heavily on your purchase price, rehab, ARV, and cash available—and a 1–2% difference in rate or a point of leverage can be worth tens of thousands on a Portland-area deal.
If you give me purchase price + rehab budget + expected ARV + your cash available + exact town/property type, I can run the deal and tell you which lender/loan structure looks best and what your maximum safe purchase price should be.
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:
