Loan Scenario:

A newer investor partnered with a qualified third-party general contractor to purchase and build a two-unit property in Dallas, financing the project through an American Heritage Lending ground-up construction loan structured as a True Zero Point purchase. The deal pairs a $75,000 land basis with a $330,140 construction budget to deliver a duplex valued at $620,000 upon completion, and AHL funded $360,126 at 90% loan-to-cost and a conservative 58.08% loan-to-after-construction-value on a 12-month interest-only term. Because the borrower was building rather than buying finished, AHL’s builder-partner structure made it possible to extend full-leverage construction capital to a first-time ground-up sponsor.

Dallas remains one of the nation’s premier new-construction markets, where relentless in-migration, a diversified corporate employment base, and a chronic housing shortage keep demand for new infill product strong across the Metroplex. Two-unit builds are especially well positioned here, appealing both to owner-occupants seeking rental offset and to investors targeting dual income streams. With a sale as the planned exit and a full scope covering permits, utilities, foundation, framing, and finishes, this file shows how AHL opens the door to ground-up development in Texas — and the same financing is available to builders ready to start.

Similar Recently Funded Case Studies: Ground-Up Construction Loan in Oak Leaf, TX  •  Ground-Up Construction Loan in Dallas, TX  •  Ground-Up Construction Loan in Sevierville, TN

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