Loan Scenario:

Drawing on a verified record of ten projects, a professional investor purchased another Memphis single-family home and financed the renovation with an American Heritage Lending fix and flip loan, planning to sell the property once the rehab is complete. The deal began at an $80,000 as-is value with a $60,300 rehab budget and a $159,000 after-repair value, and AHL funded $107,229 at 93% loan-to-cost and 67.44% loan-to-after-repair-value on a 12-month interest-only term. The investor’s consistent exit history across 2024 and 2025 supported the high-leverage structure on the purchase and construction budget alike.

Memphis continues to reward operators who buy right and renovate to a retail standard, with a broad base of first-time and move-up buyers keeping well-finished homes moving in the city’s established neighborhoods. The scope here is comprehensive — demolition, new windows, HVAC, drywall, flooring, cabinets, and exterior finishes — aimed squarely at a resale-ready product. For flippers running multiple projects at once in Tennessee, this file shows how AHL keeps capital flowing across a pipeline, and new financing is only a prequalification away.

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