Recently Funded Fix And Flip Loan In Longwood, Florida
Loan Scenario:
American Heritage Lending funded a $206,125 Fix-and-Flip purchase loan on a single-family detached home in Longwood, Florida, backing a light cosmetic renovation in the Orlando suburbs. The home carried an as-is value of $221,000, and the investor budgeted $21,500 for the rehab against a projected after-repair value of $430,000. The AHL loan came in at 85% loan-to-cost and just 47.94% of the after-repair value, leaving a wide equity cushion between the loan and the exit number. It closed as a 12-month interest-only loan and a True Zero Point Loan, so the borrower paid no origination points at closing. Interest-only payments keep monthly carry low and free up cash to move the project quickly — a good fit for an investor with limited experience taking on a manageable scope.
The work is cosmetic and tightly scoped. First, the cabinets are painted and refaced and new countertops go in. Then the bathrooms get a light cosmetic refresh. Next, interior paint goes on throughout, supported by general labor for demo, install, and miscellaneous tasks. From there, a dumpster clears the debris and the exterior is power-washed. Finally, landscaping and fence cleanup — mulch, trimming, and correction — sharpen the curb appeal for resale.
Longwood sits in Seminole County just north of Orlando, one of Central Florida’s most established and family-friendly suburbs. A SunRail commuter station and quick access to I-4 connect residents to the region’s job centers, from downtown Orlando to the Maitland and Lake Mary office corridors. Well-regarded schools and a historic district keep buyer demand steady, and prices sit below many closer-in Orlando neighborhoods.
Overall, this deal shows how American Heritage Lending backs investors with practical high-leverage financing. Low points, interest-only carry, and a conservative loan-to-value against the exit give the borrower room to renovate and sell in a proven Orlando-metro market.
Similar Recently Funded Case Studies: Fix & Flip Loan in Panama City, FL • Fix & Flip Loan in Brookhaven, PA • Fix & Flip Loan in East Bend, NC
Key Deal Points
| Address | Longwood, FL |
| Loan Type | Fix and Flip – Purchase |
| Borrower Profile | Limited Experience |
| Property Type | Single Family Detached |
| Appraised Value | $221,000 |
| Rehab Budget | $21,500 |
| After Repair Value | $430,000 |
| Loan Amount | $206,125 |
| LTC | 85.00% |
| LTARV | 47.94% |
| Term | 12-Month Interest-Only |
| Loan Structure | True Zero Point Loan |
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