American Heritage Lending fix-and-flip loans fund up to 95% of total cost and 100% of the rehab budget, capped at 75% of ARV, with closings in as few as 10 days.
| Fix & Flip Feature | Structure & Terms |
|---|
| Project Types | Single-family 1-4 units, PUDs, condos and non-warrantable condos |
| Loan Limits & Terms | $75,000 to $3,000,000 | 12 to 18 months | Interest-only, first-lien | No prepayment penalty |
| Leverage Ratios (LTC/ARV) | Up to 100% of Rehab Budget (Max 95% LTC / 75% ARV) |
| Structural Advantages | Rates from 7.99%, 0-point and deferred-point options, in-house valuation on most flips under $750,000, and closings as fast as 10 days. Tracking each draw against a Project Budgeter budget keeps reimbursements tied to completed line items. |
American Heritage Lending ground-up construction loans cover up to 95% of total project cost and up to 100% of the construction budget on 12 to 18 month interest-only terms.
| Construction Feature | Structure & Terms |
|---|
| Project Types | Single-family 1-4 units, PUDs, condos and non-warrantable condos, plus build-to-rent through a one-time close construction-to-perm loan |
| Loan Limits & Terms | Up to $3,000,000 | 12 to 18 months | Interest-only, first-lien | Rates from 8.25% | 0-point and deferred-point options |
| Leverage Ratios (LTC) | Up to 100% of construction budget (Max 95% LTC). One-time close build-to-rent: up to 87.5% LTC and 100% of construction, converting to a permanent rental loan up to 80% LTV with no second closing |
| Structural Advantages | 24-hour digital draws funded against the builder's own milestone schedule, with milestone dates easy to map in the FlipperForce Scheduler. Typical close in 2 to 3 weeks (one-time close in 2 weeks or less). First-time builders can qualify with a licensed general contractor. |
American Heritage Lending DSCR rental loans qualify on property cash flow with no income docs, up to 85% LTV, a 0.75x minimum DSCR and 30- or 40-year fixed terms.
| Rental DSCR Feature | Structure & Terms |
|---|
| Property Types | Single-family and multifamily up to 10 units, long-term and short-term rentals |
| Loan Limits & Products | 30- and 40-year fixed with interest-only options | Contact for loan limits and rates | No prepayment penalty or up to a 3-year prepayment penalty |
| Leverage & Coverage | Up to 85% LTV | Min DSCR 0.75x | Min credit 660 |
| Structural Advantages | No income docs, typical close in 2 to 3 weeks, and a direct refinance path out of an AHL fix-and-flip or bridge loan. |
American Heritage Lending bridge loans provide up to $3,000,000 at up to 80% LTV on 12 to 18 month interest-only terms, with no appraisal under $1,000,000 and closings in 10 days or less.
| Bridge Loan Feature | Structure & Terms |
|---|
| Use Cases | Purchases, rate-term refinances and cash-out refinances on investment property, including transitional holds ahead of a DSCR refinance |
| Property Types | Single-family 1-4 units, PUDs, condos and non-warrantable condos |
| Loan Limits & Terms | Up to $3,000,000 | 12 to 18 months | Interest-only, first-lien | Contact for Rates | No prepayment penalty |
| Leverage Ratios (LTV/LTC) | Up to 80% LTV |
| Structural Advantages | No appraisal under $1,000,000 and closings in 10 days or less, with an AHL DSCR loan available to take out the bridge once the property is leased. BRRRR investors can project the refinance DSCR in the FlipperForce BRRRR Analyzer before closing. |
