Loan Scenario:

A professional operator with six verified completed projects brought American Heritage Lending a fix-and-flip opportunity in Youngsville, and we financed it as a True Zero Point Loan with no origination points charged to the borrower. The purchase came together at $181,060 with a $40,000 rehabilitation budget, and we funded a total fix and flip loan of $199,500 — an initial advance of $159,500 plus a $40,000 rehab holdback — against an after-repair value of $285,000. At a 90.25% loan-to-cost and a comfortable 70% loan-to-after-repair-value, the structure kept the investor’s cash-in-deal low while leaving healthy margin for the exit.

Youngsville is one of the fastest-growing cities in Louisiana, a family-friendly suburb of Lafayette in the heart of Acadiana that has seen sustained population and job growth. That momentum supports strong buyer demand for updated single-family homes, which is precisely the tailwind an experienced flipper wants behind a renovation-and-sale strategy.

The scope focused on high-impact interior improvements — demolition, paint, doors and trim, flooring, countertops, kitchen cabinets, bathrooms, and fixtures, with a contingency built in for surprises. On a 12-month interest-only term, the borrower has ample runway to renovate and sell into a hot suburban market, and the right financing gave this seasoned pro every advantage on the numbers.

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