Recently Funded Fix & Flip Loan In Atlanta, GA

Loan Scenario:

This project highlights a fix and flip loan for a single-family property located in Atlanta, Georgia. The investor purchased the home for $560,000, supported by a renovation budget of $108,000. American Heritage Lending provided $618,750 in financing, structured as a True Zero Point Loan, resulting in a Loan-to-Cost (LTC) of 92.63% and a Loan-to-After Repair Value (LTARV) of 75.00%. Once completed, the property is expected to reach an After Repair Value (ARV) of $825,000.

The borrower, a professional real estate investor, planned a comprehensive renovation that blends high-impact exterior upgrades with a full interior refresh. Exterior improvements include a complete exterior repaint, an upgraded front porch, new landscaping, and enhancements to the side patio to create a more functional outdoor living space. Additional upgrades include new energy-efficient windows and exterior doors to improve both curb appeal and insulation.

Inside the home, the renovation introduces a modern and cohesive design. The interior will receive fresh paint, fully remodeled bathrooms, and a renovated kitchen featuring new countertops, cabinets, and updated appliances. Additional work includes redoing the interior trim, installing new flooring throughout, and adding a new wet bar to increase the property’s entertainment value.

New appliances round out the upgrades, helping position the home as a move-in-ready offering in a high-demand market.

Atlanta particularly in desirable pockets like Sandy Springs continues to see strong buyer activity, with updated homes attracting multiple offers. This renovation strategy aligns well with local market expectations, placing the investor in a favorable position for a profitable resale.

This transaction demonstrates how American Heritage Lending supports professional investors with high-leverage financing, including True Zero Point Loan structures, allowing them to take on extensive renovations while keeping upfront costs low and maintaining liquidity across their portfolio.