Recently Funded Fix & Flip Loan In Osage Beach, Missouri

Loan Scenario:

This fix and flip loan features a fix and flip loan for a single-family home in Osage Beach, Missouri. Specifically, the investor bought the home for $550,000 and added a rehab budget of $348,857. As a result, American Heritage Lending funded $898,857 for the deal. The loan also carries a True Zero Point structure. So it holds a Loan-to-Cost (LTC) of 100.00% and a Loan-to-After Repair Value (LTARV) of 71.91%.

Furthermore, the loan runs on a 12-month interest-only term. Because of this, the borrower keeps payments lean while the work moves ahead. Meanwhile, the focus stays on the build rather than upfront costs. Ultimately, the home should reach an After Repair Value (ARV) of $1,250,000 once the work wraps.

The borrower is a pro investor who, before closing, planned a deep, full-scale rehab. Initially, the project starts with full demo and site prep. Then, the work moves into footings, framing, and a new roof tied into the home. Subsequently, the crew runs new plumbing, wiring, and HVAC across the home. Additionally, the build adds new windows, siding, and outer doors.

Later, the inside gets a new kitchen, redone baths, fresh paint, floors, and trim. Finally, the scope reaches outdoors with a pool, a hot tub, a dock swap, a cedar deck, and new yard work.

Osage Beach sits at the heart of the Lake of the Ozarks, a market especially known for strong waterfront demand. Furthermore, local supply stays tight, which keeps buyer interest high for move-in-ready homes. Additionally, a major area rebuild draws fresh eyes to the region. As a result, a clean, high-end home at this price point fits what buyers want today.

Overall, this deal shows how American Heritage Lending backs pro investors on big projects. Specifically, the True Zero Point Loan blends full cost coverage with no upfront points. So the borrower can take on a heavy rehab and still keep cash on hand. Thus the structure supports the build from start to close.