Recently Funded Fix & Flip Loan In Upper Arlington, OH

Loan Scenario:

This project highlights a fix and flip loan for a single family property in Upper Arlington, Ohio. The property was purchased for $465,000, with a comprehensive renovation budget of $432,190. American Heritage Lending provided financing of $807,471, resulting in a Loan-to-Cost (LTC) of 90.00% and a Loan-to-After Repair Value (LTARV) of 51.76%. Once complete, the home is projected to reach an After Repair Value (ARV) of $1,560,000.

The investor—an experienced professional—took on a full-scale renovation that required architectural and structural engineering plans, permitting, and extensive demolition.

Major construction phases included framing, rough-ins for plumbing and electrical (with a full panel upgrade), and the installation of new windows, sliders, roofing, and exterior doors, including garage doors. Mechanical work involved heating and air conditioning installation, as well as fireplace setting and insulation. Finishing phases were equally detailed, with exterior painting and siding, complete interior painting, cabinet and hardware installation, new flooring, tile work, and custom countertops.

Additional work included foundation repairs, finish electrical and lighting installations, interior door and trim upgrades, final plumbing fixture installations, and new appliance purchases. The project also encompassed driveway and back patio construction, as well as interim and final cleaning to prepare the home for market.

Upper Arlington is one of the most sought-after communities in the Columbus area, known for its strong school system, established neighborhoods, and consistent demand for move-in-ready homes. In this high-demand environment, a fully modernized property with luxury finishes is well-positioned to attract buyers quickly and at a premium price.

This project is a strong example of how American Heritage Lending supports professional investors in executing large-scale, high-value flips—offering flexible financing solutions that make even the most ambitious renovations possible.