Loan Scenario:

American Heritage Lending financed a ground-up single-family build in Dallas, Texas for a newer sponsor backed by a proven building partner. Although the borrowing entity was first-time on paper, an experienced builder holds a minority ownership stake, and AHL approved an exception for the remote franchise investor on the strength of that team. The construction loan came in at $222,483 — an 85% loan-to-cost structure covering $67,500 in land and a $206,745 build budget toward a $323,000 after-construction value, on a 12-month interest-only term. The full turnkey scope, from plans and foundation through framing, mechanicals, roof, and drywall, was underwritten with a healthy 68.88% loan-to-ARV margin.

Dallas continues to rank among the nation’s strongest new-construction markets, driven by relentless population and job growth across the Texas metroplex. Steady demand for new detached homes gives builders a clear refinance-and-sell exit once a project delivers. Builders and developers ready to break ground can start their financing with AHL.

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