Recently Funded Fix & Flip Loan In Nampa, ID

Loan Scenario:

This project highlights a fix and flip loan for a single-family property located in Nampa, Idaho. The investor purchased the home for $80,000 and allocated a renovation budget of $100,706 to complete a full-scale transformation. American Heritage Lending provided $180,706 in financing, resulting in a 100% Loan-to-Cost (LTC) structure and a Loan-to-After Repair Value (LTARV) of 64.54%. Once renovations are complete, the property is projected to reach an After Repair Value (ARV) of $280,000.

The borrower, an experienced real estate investor, planned a comprehensive renovation covering both interior and exterior improvements. The scope includes replacing all windows and entry doors, completing full interior and exterior paint, and fully remodeling the kitchen and bathrooms.

Inside the kitchen, updates include new cabinetry, granite countertops, a new sink and garbage disposal, and upgraded appliances such as a dishwasher, range, and microwave. The bathrooms will receive new faucets, sinks, toilets, vanities, and tub or shower surrounds.

Additional interior improvements include installing luxury vinyl plank flooring throughout the home, replacing all baseboards, upgrading interior lighting, and completing electrical improvements where needed.

Major system updates are also part of the project, including a full HVAC replacement and a new water heater. Exterior improvements include upgraded lighting, landscaping enhancements, and the inclusion of an age contingency to ensure flexibility throughout the renovation process.

Nampa continues to attract investor interest due to its relative affordability and steady housing demand within the greater Boise metropolitan area. According to Zillow, home values in Nampa remain supported by long-term population growth and limited housing supply

Redfin market data also shows that updated, move-in-ready homes in Nampa continue to perform well, particularly those offering modern finishes and energy-efficient upgrades

With a full renovation plan and a conservative LTARV, this project is positioned to meet buyer expectations in a market where updated housing stock remains in demand.

This transaction demonstrates how American Heritage Lending supports experienced investors by offering high-leverage fix and flip financing. By covering the full cost of acquisition and renovation, AHL enables investors to take on extensive rehab projects while preserving capital and maintaining flexibility throughout the project lifecycle.