Recently Funded Fix And Flip Loan In Orange, Texas

Loan Scenario:

This fix-and-flip project features a detached single-family home located in Orange, Texas—a small but steadily growing market in East Texas. The investor secured a loan of $76,500 to finance the $60,000 purchase and $30,000 renovation, resulting in a Loan-to-Cost (LTC) ratio of 85% and a Loan-to-After Repair Value (LTARV) of 52.76%.

The property is expected to reach an After Repair Value (ARV) of $145,000 once renovations are complete. The scope of work includes a full interior overhaul. Planned improvements feature a new kitchen and bathrooms, updated drywall, plumbing, electrical systems, flooring, and carpet. Fresh paint is being applied both inside and out. The home will also receive new windows, a water heater, cabinets, countertops, exterior doors, window blinds, and driveway repairs—resulting in a complete cosmetic and functional refresh.

What makes this project notable is the investor’s limited experience. While many lenders hesitate to work with less seasoned borrowers, American Heritage Lending supports investors at all levels by providing financing options that align with the deal—not just the resume. With a well-structured loan and a clear renovation plan, this borrower is positioned to complete a successful project and gain valuable hands-on experience in the process.

The Orange, TX real estate market offers an affordable entry point for investors, with steady demand for updated properties. This project helps improve the local housing stock while demonstrating how strategic financing and support can empower newer investors to take on their first few deals with confidence.