Recently Funded Fix And Flip Loan In Stockton, California

Loan Scenario:

This fix-and-flip project centers on a detached single-family property located in Stockton, California. The property was purchased for $300,000, with a rehab budget of $50,000. Full financing was secured at $337,500, resulting in a Loan-to-Cost (LTC) ratio of 96.43% and a Loan-to-After Repair Value (LTARV) ratio of 75.0%. The projected After Repair Value (ARV) is $450,000 following a full renovation.

The renovation plan includes a comprehensive interior and exterior transformation. Work involves demolition of the kitchen and floor tile, full interior and exterior painting, repairs to doors and trim, and the installation of new flooring throughout the home. Kitchen upgrades include new cabinets, countertops, and appliances. Bathrooms are being updated with new fixtures, vanities, and finishes.

The plumbing, electrical, and HVAC systems are being improved with standard updates. Exterior work includes siding patching, landscaping, and pool tile repair and refill. Permitting and contingency funds are in place to support timely and efficient execution.

Stockton’s real estate market continues to show strong activity. As of June 2025, the median sale price is approximately $420,000, with homes typically going under contract in about 32 days. While sale prices have declined 8.7% year-over-year, the pace of transactions remains steady, according to Zillow. These conditions continue to support demand for move-in-ready homes, especially those backed by thoughtful renovation strategies.

This project reflects a strategic real estate investment approach, led by a professional borrower with a well-defined renovation scope.

With financing structures tailored to meet the needs of both the project and the market, the investor is positioned to deliver a quality, updated home to today’s active buyers. It’s another example of how American Heritage Lending supports real estate investors through flexible loan programs, experienced guidance, and a deep understanding of what it takes to get deals done.