Recently Funded Fix And Flip Loan In Vidor, Texas
Loan Scenario:
American Heritage Lending funded a $165,000 Fix-and-Flip purchase loan on a single-family detached home in Vidor, Texas, backing a full cosmetic-and-structural renovation in Southeast Texas. The home carried an as-is value of $220,000, and the investor budgeted $80,000 for the rehab against a projected after-repair value of $375,000. The AHL loan came in at just 55% loan-to-cost and 44% of the after-repair value, a conservative structure that leaves a wide equity cushion — sensible footing for a first-time flipper. It closed as a 12-month interest-only loan, so monthly carry stays low and cash stays free to push the project forward.
The scope pairs cosmetic updates with real structural work. First, the foundation is leveled to correct settling. Then the kitchen is rebuilt as the centerpiece of the renovation. Next, the bathrooms are updated and the common areas refreshed. From there, new windows go in to improve efficiency and appearance. Finally, fresh exterior paint ties the finished look together for resale.
Vidor sits in Orange County within the Beaumont–Port Arthur metro, one of the country’s largest petrochemical hubs. The region’s economy runs on refining and chemicals — ExxonMobil’s Beaumont complex, Motiva’s Port Arthur refinery (the largest in the United States), and the growing Golden Pass LNG project on the coast — supporting a large base of industrial and construction workers. Vidor’s affordability and easy I-10 access to those job sites keep demand steady for updated, move-in-ready homes at an attainable price point. Buyers priced out of costlier neighborhoods around Beaumont and Port Arthur often find better value here, which supports a resale market for a well-renovated home.
Overall, this deal shows how American Heritage Lending backs investors with practical high-leverage financing. Conservative leverage against both cost and the exit, plus interest-only carry, give the borrower room to renovate and sell in a durable, industry-anchored market.
Similar Recently Funded Case Studies: Fix & Flip Loan in San Antonio, TX • Fix & Flip Loan in Brookhaven, PA • Fix & Flip Loan in East Bend, NC
Key Deal Points
| Address | Vidor, TX |
| Loan Type | Fix and Flip – Purchase |
| Borrower Profile | No Experience |
| Property Type | Single Family Detached |
| Appraised Value | $220,000 |
| Rehab Budget | $80,000 |
| After Repair Value | $375,000 |
| Loan Amount | $165,000 |
| LTC | 55.00% |
| LTARV | 44.00% |
| Term | 12-Month Interest-Only |
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