Loan Scenario:

A professional flipper and repeat American Heritage Lending client brought us a purchase in Pleasant Hill with a substantial value-add plan — one very much in line with the like-kind projects they have completed before. American Heritage Lending funded a fix and flip loan of $136,200 on a 12-month interest-only term with a True Zero Point structure, covering acquisition and a $99,500 rehab budget at nearly 84% loan-to-cost against a $205,000 after-repair value — a comfortable 66.44% of the finished value. The scope was a full transformation: demolition, exterior and siding, windows, garage and driveway, finish carpentry, sheetrock and insulation, paint, flooring, a new kitchen and baths, plumbing, electrical, HVAC, and appliances. With a refinance planned as the exit, this was a complete rehab in the hands of an operator who knows exactly how to execute it.

Pleasant Hill sits in Miami County in western Ohio, part of the greater Dayton region where low acquisition costs and a stable Midwestern employment base create strong spreads on well-executed renovations. A home nearly doubling in value from acquisition to completion reflects the kind of margin available to investors who buy right and renovate thoroughly. That reliable value creation is what keeps experienced flippers active across Ohio’s affordable single-family markets.

Running full-scale rehabs and want a lender who moves at your pace? Let’s line up the financing for your next project.

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