Recently Funded Fix And Flip Loan In Pensacola, Florida
Loan Scenario:
An experienced investor approached American Heritage Lending to acquire and reposition a single-family detached home in Pensacola, Florida. The investor brought a track record of three completed projects over the prior 36 months, and the plan here was straightforward: purchase, renovate, and sell. AHL structured the deal as a fix and flip loan with a total loan amount of $220,500, built from a $135,500 initial advance and an $85,000 construction reserve. The property was acquired at a $160,000 as-is value, with the renovation budget set at $85,000.
The scope of work was comprehensive. Specifically, the project calls for new windows, a full HVAC replacement, a remodeled kitchen and bathrooms, new flooring, interior and exterior paint, updated plumbing and electrical, new doors and trim, driveway and masonry repairs, landscaping and fencing, and new appliances. As a result, the renovation touches nearly every system in the home and targets an after-repair value of $315,000.
The economics reflect AHL’s confidence in an experienced sponsor. The loan was structured at 90.00% loan-to-cost and 70.00% loan-to-after-repair-value, on a 12-month interest-only term, and it closed as a True Zero Point Loan. Because of this structure, the investor preserved capital at closing and retained flexibility to execute the rehab on schedule.
Pensacola remains one of the Gulf Coast’s steadier markets. The city pairs a large naval presence and a growing tourism base with relative affordability, and demand for updated, move-in-ready single-family homes continues to outpace much of the aging inventory across its established neighborhoods. For a flip targeting the mid-$300s, that combination of entry pricing and end-buyer demand makes the exit realistic.
Overall, this transaction shows how AHL supports repeat operators in Florida. Investors with a comparable project can explore financing to get started.
Similar Recently Funded Case Studies: Fix & Flip Loan in Pensacola, FL • Fix & Flip Loan in Plant City, FL • Fix & Flip Loan in Memphis, TN
Key Deal Points
| Address | Pensacola, FL |
| Loan Type | Fix and Flip – Purchase |
| Borrower Profile | Experienced |
| Property Type | Single Family Detached |
| Appraised Value | $160,000 |
| Rehab Budget | $85,000 |
| After Repair Value | $315,000 |
| Loan Amount | $220,500 |
| LTC | 90.00% |
| LTARV | 70.00% |
| Term | 12-Month Interest-Only |
| Loan Structure | True Zero Point Loan |
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