Loan Scenario:

A seasoned professional investor with a portfolio of roughly twenty properties came to American Heritage Lending to fund the purchase of a single-family home in Glendora, and as a repeat client, the borrower knew exactly what to expect from our fix and flip loan programs. With a $612,900 as-is value, a $75,000 rehab budget, and a projected $845,000 after-repair value, the numbers pointed to a well-margined project from the outset.

Our team structured a $633,750 loan at 92.13% loan-to-cost and 75% loan-to-ARV on a 12-month interest-only term, delivered as a True Zero Point Loan so more of the borrower’s capital stayed in the deal rather than going to closing costs. The scope of work was comprehensive — roof, windows, kitchen, baths, HVAC, electrical, flooring, paint, and full landscaping — a top-to-bottom renovation aimed at a clean resale exit, and we cleared an exception for the borrower’s H-1B visa status without slowing the timeline.

Glendora sits at the foot of the San Gabriel Mountains in Los Angeles County, a community prized for its tree-lined streets, well-regarded schools, and charming historic downtown, all of which keep buyer demand strong for a thoughtfully updated home. For an experienced flipper, that kind of established, high-demand market is precisely where a full renovation pays off. Investors ready to move quickly on their next project can start the conversation about financing with our team.

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

Additional Images