Loan Scenario:

A professional investor with ten verified projects — one ground-up build exited in 2026 and nine fix-and-flips completed between 2023 and 2026 — brought a substantial value-add purchase in McAllen to American Heritage Lending. The single-family home carried a $300,000 appraised value with an ambitious $148,084 renovation plan targeting a $760,000 after-repair value, and our fix and flip loan funded $416,718 at an aggressive 93% loan-to-cost while holding a strong 54.83% loan-to-ARV. The scope is a full-gut transformation covering framing, HVAC and ductwork, electrical, plumbing, sheetrock, tape and float, cabinets and trim, flooring, showers, and paint.

McAllen sits in the fast-growing Rio Grande Valley, where cross-border trade, a young population, and steady in-migration keep housing demand robust and reward investors who deliver larger, fully modernized homes. The wide spread between the all-in basis and the $760,000 exit reflects a genuine reposition rather than a cosmetic touch-up, the sort of project that experienced operators execute confidently. With a sell strategy and a deep track record, this borrower is well matched to the scale of the undertaking.

High-leverage execution for proven sponsors is a core strength of American Heritage Lending across Texas. Investors planning their next reposition can line up financing before they go under contract.

Similar Recently Funded Case Studies: Fix & Flip Loan in Harlingen, TX  •  Fix & Flip Loan in Killeen, TX  •  Fix & Flip Loan in Kingwood, TX

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