Loan Scenario:

A seasoned investor with six confirmed projects behind them — two fix-and-flips already exited in 2025 and four value-add REO holdings — brought American Heritage Lending a purchase opportunity in Farmington, New Mexico. With a proven track record and a clear exit plan to sell, this was exactly the kind of experienced operator our fix and flip loan is designed to move quickly for.

The deal penciled beautifully. The single-family home was acquired against a $280,000 as-is value with a $63,500 rehab budget targeting a $425,000 after-repair value, and we funded a $296,000 loan on a 12-month interest-only term. The standout was the leverage: at 98.18% loan-to-cost and just 69.65% of ARV, the borrower kept almost no capital tied up in the project, all structured as a True Zero Point loan with no origination points charged.

The scope of work is a comprehensive cosmetic-to-systems overhaul — demo, new flooring, fresh paint, renovated kitchen and bathrooms, exterior repairs, updated lighting fixtures, and new trim and baseboards — the kind of full refresh that reliably lifts a dated property to top-of-market condition.

Farmington anchors the Four Corners region of northwestern New Mexico, a market where energy-sector employment and a persistent shortage of updated, move-in-ready housing create dependable demand for a well-executed flip. Buyers here reward renovations that modernize older stock without over-improving for the neighborhood. If you’re an experienced investor in New Mexico ready to scale, reach out to explore financing that maximizes your leverage on the next project.

Similar Recently Funded Case Studies: Fix & Flip Loan in Youngsville, LA  •  Fix & Flip Loan in Mcallen, TX  •  Fix & Flip Loan in Canton, OH

Additional Images