Loan Scenario:

An experienced flipper brought American Heritage Lending a purchase opportunity in Pensacola, Florida — a single-family detached home with clear upside and a well-defined renovation plan. With three prior projects used to qualify, this was a borrower who knows how to run a rehab on time and on budget, and they needed a lender who could fund both the acquisition and the construction. Our fix and flip loan delivered, financing the buy plus a full $47,350 lender-funded rehab budget.

The numbers told a compelling story: a $142,000 as-is value against a $234,000 after-repair value, funded at 86.51% loan-to-cost and a conservative 70% loan-to-ARV for a $163,800 loan amount. The scope of work was thorough and value-additive — new LVP flooring, a full kitchen renovation, two updated bathrooms, fresh HVAC and a water heater, interior and exterior paint, updated lighting, and landscaping and driveway improvements to boost curb appeal. We structured it on a 12-month interest-only term as a True Zero Point loan, keeping the borrower’s upfront costs low so more capital stays in the project.

Pensacola continues to be a magnet for value-add investors along the Florida Panhandle. Its blend of Gulf Coast lifestyle, military-anchored employment, and relatively affordable entry prices creates steady buyer demand for renovated homes, while dated inventory gives skilled operators plenty of properties to reposition. A clean rehab in a neighborhood like this can move quickly once it hits the market.

With a refinance exit planned, this borrower is positioned to either sell into a healthy market or hold the improved asset as a rental. American Heritage Lending funds projects like this across Florida every week. If you have your next flip lined up, get your financing started with us today.

Similar Recently Funded Case Studies: Fix & Flip Loan in Starke, FL  •  Fix & Flip Loan in Edina, MN  •  Fix & Flip Loan in Osage Beach, MO

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