Loan Scenario:

A first-time investor found a single-family opportunity in Indianapolis but faced two hurdles at once: no completed projects on record and a purchase structured with a seller assignment fee layered on top of the base price. American Heritage Lending stepped in with a bridge loan built for speed and flexibility, giving the borrower a clean path to close on an assigned contract that a conventional lender would have struggled to touch.

We funded $154,000 against a $225,000 appraised value at 70% loan-to-value on a 12-month, interest-only term, with a portion of the assignment fee eligible for financing and the balance covered by the borrower’s own funds. The interest-only structure keeps carrying costs light while the investor executes the plan, and the exit is a refinance into long-term financing once the property is stabilized.

Indianapolis has become a magnet for entry-level investors thanks to its balance of low acquisition costs and resilient rental demand, anchored by a diversified economy spanning logistics, healthcare, and advanced manufacturing. Neighborhoods on the city’s east side, where this home sits, offer the kind of price-to-rent math that lets a new landlord get in the game and refinance into a durable hold. AHL was proud to give a brand-new Indiana investor their very first deal, and we’re ready to line up the financing for their next move.

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