Recently Funded Fix And Flip Loan In Spring, TX

Loan Scenario:

This project highlights a fix and flip loan for a single-family property in Spring, Texas. The investor purchased the home for $135,000, with a renovation budget of $48,000. American Heritage Lending provided $164,700 in financing, resulting in a Loan-to-Cost (LTC) of 90% and a Loan-to-After Repair Value (LTARV) of 50.68%. Upon completion, the property is expected to reach an After Repair Value (ARV) of $325,000. The financing was structured as a True Zero Point Loan, giving the investor a cost-effective solution while maximizing leverage.

The borrower, a professional investor, took on a renovation plan that balanced structural improvements with cosmetic updates to deliver lasting value. Work included foundation and roof repairs, drywall fixes, and flooring repairs to ensure long-term stability. Cosmetic enhancements such as new countertops, interior and exterior paint, and carpet replacement refreshed the home’s appearance. Additional updates included tree trimming, pressure washing, and landscaping touches that boosted curb appeal.

Spring, TX continues to benefit from its position within the Houston metro area, where demand for move-in-ready homes remains steady. This project, combining essential repairs with attractive finishes, positions the property to appeal to a wide pool of buyers once it hits the market.

This deal is another example of how American Heritage Lending supports professional investors with high-leverage financing and competitive terms, including True Zero Point Loans; helping them execute transformative projects while keeping upfront costs low.