Recently Funded Fix And Flip Loan In Red Bluff, CA

Loan Scenario:

This project features a fix and flip loan for a single-family home in Red Bluff, California. The property was purchased for $180,000, with a renovation budget of $16,600. The investor secured a loan of $196,600, resulting in a Loan-to-Cost (LTC) of 100% and a Loan-to-After Repair Value (LTARV) of 72.81%. Once completed, the home is expected to reach an After Repair Value (ARV) of $270,000.

The borrower, a professional investor, used the financing to tackle two critical components of the home’s value: a brand-new roof and a full HVAC system replacement. These improvements not only extend the home’s lifespan but also bring it up to the expectations of today’s buyers—positioning the property for a smooth resale once the updates are complete.

Though smaller in scale, Red Bluff’s real estate market remains active, with buyers seeking move-in-ready homes in Northern California’s more affordable corridors. Thoughtful upgrades that address structure and comfort go a long way in markets like this, making it easier to compete and sell quickly.

This transaction is another example of how American Heritage Lending empowers experienced investors with fast, flexible capital to take on practical renovations—whether in major metros or smaller towns like Red Bluff with confidence and clarity.