Recently Funded Fix & Flip Loan In Macon, Georgia

Loan Scenario:

This fix and flip loan supports a single-family property in Macon, Georgia. Specifically, a professional investor purchased the home for $59,900. Additionally, the project carries a rehab budget of $51,800. American Heritage Lending provided $103,137 in financing. As a result, the loan reflects a Loan-to-Cost (LTC) of 92.33% and a Loan-to-After Repair Value (LTARV) of 64.46%. Notably, the structure runs as a 12-month interest-only term. Furthermore, once finished, the property is expected to reach an After Repair Value of $160,000.

This renovation covers a full structural and cosmetic overhaul. First, the project begins with subfloor leveling throughout and front porch framing repairs. Then, crews frame out the garage interior and utility closet. Next, the work moves to major systems, including a new HVAC system and an updated electrical panel. Additionally, the team installs seven new energy-efficient windows and a new garage door. From there, the interior receives new kitchen cabinets, a tile backsplash, and a new sink. Furthermore, the scope includes fresh interior paint, new flooring with shoe mold, and new light fixtures throughout. Finally, exterior work wraps up with masonry repairs, new siding, fresh paint, concrete pouring, and landscaping cleanup.

Macon continues to draw steady investor activity at attainable price points. Specifically, the market remains affordable relative to larger Georgia metros. Moreover, well-priced and well-presented homes still move in a more balanced 2026 market. Consequently, a fully renovated, move-in-ready home positions this investor well for resale.

Overall, this deal shows how American Heritage Lending supports professional investors with high-leverage financing. Specifically, the 92.33% LTC structure keeps upfront costs low while funding a deep value-add project. As a result, the borrower can take on extensive renovations and maintain liquidity. Furthermore, the controlled LTARV gives the project a sensible exit cushion against the after repair value.