Loan Scenario:

A seasoned builder came to American Heritage Lending needing to replace short-term capital on a newly completed single-family residence in Dallas, and the profile was exactly the kind of track record our team likes to underwrite. With six verified ground-up projects behind them—five successfully exited between 2024 and 2026 and one retained as a long-term rental—this borrower had already proven they could take a project from raw dirt to a finished, market-ready home. The numbers told the same confident story: a $124,872 land basis and a $292,600 construction budget against a $465,000 after-construction value, giving us comfortable room at a 77.95% loan-to-cost and a conservative 70% loan-to-ARV on the $325,500 construction loan. Structured as a no-cash-out refinance on a 12-month interest-only term, the facility retired the borrower’s existing build financing and bought time to execute a clean, well-timed exit without the pressure of a maturing balance.

Dallas remains one of the most compelling new-construction markets in Texas, where steady in-migration, a diversified employment base, and persistent demand for detached single-family housing continue to reward builders who deliver quality product. In neighborhoods across the metroplex, buyers and renters alike are drawn to brand-new homes that require little deferred maintenance, and a finished residence valued near $465,000 sits squarely in a desirable, liquid price band. For an experienced investor, that combination of durable demand and a conservative capital stack is precisely what makes a refinance the right next move—and why this one came together quickly.

Whether you are wrapping up a ground-up build or planning your next one, American Heritage Lending has the financing to keep your project moving.

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