FIX & FLIP LOANS · Maine (ME) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

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

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Maine Fix & Flip Loans (2026) — Up to 90% Purchase + 100% Rehab (75% ARV Cap), 9.25% – 11.25% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach