by Keith Quinney | Jan 6, 2026
Recently Funded Ground-Up Construction Loan In Denison, TX Loan Scenario: This ground-up construction project involves a new modern single-family home located in Denison, Texas. The borrower, a first-time builder, acquired the lot for $46,000 and is completing a full...
by Eric Krattenstein | Nov 6, 2025
Recently Funded New Construction Loan In Dallas, TX Loan Scenario: American Heritage Lending financed a ground‑up construction project for a first‑time builder in Dallas, Texas, delivering a 12‑month, interest‑only solution tailored for speed and certainty. The...
by Keith Quinney | Sep 30, 2025
Recently Funded Fix And Flip Loan In Spring, TX Loan Scenario: This project highlights a fix and flip loan for a single-family property in Spring, Texas. The investor purchased the home for $135,000, with a renovation budget of $48,000. American Heritage Lending...
by Eric Krattenstein | Sep 10, 2025
TL;DR (Executive Summary) DSCR for SFR/2–4 is simple: Underwritten Gross Rent ÷ PITIA. Hit ≥1.10×–1.25× and life gets easier. For 5–10 units, many lenders switch to NOI ÷ Annual Debt Service — we still size 5–10 the same as 1–4 (Rent ÷ PITIA), then sanity‑check the...
by Eric Krattenstein | Aug 25, 2025
Introduction: flipping in a split‑market year If 2024 felt like trying to flip a house while the market kept moving the furniture, 2025 feels more like someone finally turned the lights on. We can see the room again—prices, demand, and costs are no longer sprinting in...
