Loan Scenario:

A newer investor with one verified value-add REO project under their belt brought us a purchase in Harlingen with a clear plan: acquire, renovate, and refinance into a long-term hold. American Heritage Lending funded a fix and flip loan of $97,750 on a 12-month interest-only term, covering the acquisition and a $15,000 rehab budget at 85% loan-to-cost against a $145,000 after-repair value — a conservative 67.41% of the finished value. The scope was focused and achievable: roof and window repairs, interior paint and drywall, flooring, a kitchen renovation, updated bathrooms, a new water heater, and a final punch list, with a contingency reserve built in for peace of mind. For an investor still building experience, that kind of structure keeps risk contained while the numbers do the work.

Harlingen anchors the Rio Grande Valley in deep South Texas, where affordable entry prices and steady demand from the region’s agriculture, healthcare, and cross-border trade economy support a healthy pool of renters and end buyers. Value-add single-family homes at this price point turn over reliably, giving investors a dependable canvas for a modest, well-scoped renovation. That combination of low basis and consistent demand is what makes the Valley a friendly proving ground for growing operators.

Have a value-add project you plan to fix and hold? Let’s structure the financing around your exit.

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