Loan Scenario:

A professional investor with seven verified projects behind them came to American Heritage Lending to acquire and renovate a single-family home in Starke, Florida with a strong built-in margin. Against a $210,000 after-repair value and a lean $28,700 rehab budget — pool repairs, fencing, interior and exterior paint, new flooring and appliances, and demolition of a small ADU — we funded a fix and flip loan of $131,781 at 93% loan-to-cost and just under 63% LTARV. The 12-month interest-only, True Zero Point structure maximized leverage while keeping the borrower’s cash reserves intact for the work ahead.

Starke is the seat of Bradford County in North Central Florida, positioned between Gainesville and Jacksonville along the US-301 corridor. Its affordable single-family stock and proximity to two growing metros give flippers accessible entry prices and a steady pool of end buyers looking for move-in-ready homes outside the higher-cost city cores.

With disciplined leverage and a clear resale exit, this seasoned operator was positioned to turn the project quickly. Discover Florida fix and flip opportunities and begin your financing today.

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