Loan Scenario:

American Heritage Lending funded a $150,100 fix-and-flip purchase for a seasoned investor taking on a full value-add rehab in Arcanum, Ohio. The property appraised as-is at $125,000 with a projected $235,000 after-repair value, and the deal penciled out at a true 100% loan-to-cost with an $85,100 rehab budget, landing at a conservative 63.87% loan-to-ARV on a 12-month interest-only term.

The scope is a comprehensive gut: demolition, a new roof and gutters, fresh siding and windows, rebuilt kitchen and bathrooms, and updated plumbing, electrical, and HVAC throughout, with a contingency reserve set aside to keep the project on schedule. Structured as a fix and flip loan with a True Zero Point structure, the financing covered the purchase and the full renovation so the borrower could preserve working capital for the next acquisition.

Arcanum is a small Darke County village in western Ohio, within reach of the greater Dayton market, where modest entry prices and steady demand for updated housing make well-executed renovations attractive to end buyers. With more than a dozen projects behind them, this investor is exactly the kind of operator the program is built for. Investors ready to move on their next deal can start the conversation through our financing page.

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