Loan Scenario:

A professional investor with a deep, verified track record partnered with American Heritage Lending to purchase and renovate a detached home in Kingwood, Texas. With ten documented projects behind them, including three value-add REOs and seven fix-and-flips exited between 2023 and 2026, this borrower brought exactly the kind of experience our team looks for on an ambitious rehab. We financed the acquisition and the full $56,000 renovation budget with a $219,480 loan structured at 93% loan-to-cost and just under 70% of the $315,000 after-repair value, delivered as a 12-month interest-only, true zero-point loan.

The scope of work is a focused cosmetic and systems refresh, spanning demolition, new flooring and carpet, a roof replacement, updated countertops, fresh interior paint, and a full interior and exterior clean-up, the kind of value-add plan designed to move quickly from purchase to sale. Kingwood, a master-planned community nicknamed the ‘Livable Forest’ on Houston’s northeast edge, pairs wooded lots and strong schools with easy access to the greater Houston job market, a combination that keeps buyer demand for renovated homes healthy.

With a clear exit strategy of selling the finished property, this closing highlights how an experienced fix and flip loan borrower in Texas can put high-leverage, low-friction financing to work and keep their project pipeline moving.

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