Fast Funding for Residential Property Investors

Bridge | Fix & Flip | Rehab & Hold | Long-Term Rental

Founded in 2004, American Heritage Lending, Inc. focuses solely on hard money financing for residential real estate investors. We offer short and long term loans for a property purchase, refinance, buy to rent, fix & flip and long-term rental. We are a direct lender and have the flexibility to expedite your loan process, with excellent service.

Property Geographic Area Details
Nationwide except ID, MN, NV, ND, SD, VT
Loan Amounts
$100,000 to $5,000,000
Interest Rates
8% to 12%
Loan Terms
12 months to 360 months
Origination Fees
1% to 3%
Lien Position
Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Maximum Leverage

Purchase Short-Term (no Value-Add)
Max LTP Residential: 90%
Max LTP Multifamily: 70%
Max LTP Commercial: 70%
Purchase Long-Term
Max LTP Residential: 80%
Max LTP Multifamily: 70%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 80%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 75%
Refinance Long-Term
Max LTV Residential: 80%
Residential Fix & Flip
Max LTP: 90%
Max LTC: 100%
Max LTARV: 70%
Residential Rehab & Hold
Max LTP: 85%
Max LTC: 85%
Max LTARV: 70%
Residential Construction
Max LTP Land: 50%
Max LTC: 85%
Max LTCV: 65%

Property Types

  • 2-4 Units Residential
  • Condominium
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Long-Term Rental

Specialty Loan Types

  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out
  • Residential Non-Prime

Max Loan-to-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Family

Experience Required


Minimum Number of Value-Add Projects Completed by Borrower


Will Provide Funds for Renovation Costs


Max LTC for Renovation Costs


Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw


Maximum After Repair Value


Minimum Loan Amount


Maximum Loan Amount


Minimum Interest Rate


Maximum Interest Rate


Minimum Origination Fee


Maximum Origination Fee


Minimum Loan Term

60 months

Maximum Loan Term

360 months

Maximum Loan-To-Value


Maximum Loan-To-Purchase


Minimum Debt Service Coverage Ratio


Will Lend on a Portfolio of Properties


Minimum Property Value


Maximum Property Value


Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Payment Structure
  • Interest Only
  • Amortized
  • Interest Reserve
  • No Monthly Payments Required
Pre Payment Penalty


Only applies to long-term rental loans which have a 2-year minimum.
Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Trust
  • Corporation
Documentation Required
  • Credit Report
  • Loan Application
Personal Guaranty (Recourse) Required
Credit Check Required


Minimum Credit Score Required


Appraisal Required for Residential Property


Broker Price Opinion (BPO) Accepted for Residential Property


Legal Disclaimer

NMLS ID 93735, Florida: MLD94, Maryland: 18412, Washington: MB-93735, Oregon: ML-4808, Arizona: BK-0912684, CA DRE Broker Lic. 1844643, Pursuant to California Financing Law License Number 603G668, Colorado: 100024134, Virginia: MC-5775, FHA Lender ID: 2789700001

Contact American Heritage Lending

American Heritage Lending pays us to be listed, so there is no fee to connect with them directly.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

Over $1 Billion in Loans Funded

American Heritage Lending, Inc. has been lending for over 10 years. We have experience in all facets of real estate lending. We understand the complexities of serving this niche market. We are all encompassing with direct involvement from loan submission to funding. We bring a simple, unparalleled, common-sense approach to underwriting lands; making American Heritage Lending, Inc. the only sensible choice. We’ve We have strong relationships in the market and a cohesive management team. We understand that we are only as good as our last loan.

Our Licenses:

  • California DRE Broker License 1844643
  • California Financing Law License 603G668
  • NMLS ID 93735
  • Florida MLD94
  • Maryland 18412
  • Washington MB-93735
  • Oregon ML-4808
  • Arizona BK-0912684
  • Colorado 100024134
  • Virginia MC-5775
  • FHA Lender ID 2789700001

CA DRE Lic. 01844643, NMLS ID 93735

Company Size (Number of Employees)


Year Established


Office Locations

19800 MacArthur Blvd. Suite 950, Irvine, California 92612

Primary Capital Source
  • Own Funds
  • Bank Credit Line
  • Hedge Funds
Alternative Capital Sources
  • Individual Investors
Loan Structure for Majority of Loans
  • Own Balance Sheet
  • Table Funding with Bank
Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


Our Team

Justin Smith


CA DRE Broker License - 01453467
NMLS ID - 24860

David Orloff


CA DRE Broker License - 01206213
NMLS ID - 114997

Contact American Heritage Lending

American Heritage Lending pays us to be listed, so there is no fee to connect with them directly.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

Contact This Lender

Click to show phone number
949-386-1258 949-386-XXXX
Visit Website Send Email

Create a Loan Request

Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.

Contact American Heritage Lending by whichever method you choose.

If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.


Our Minimum Loan Amount Is


What We Do

  • Residential & Multifamily Properties
  • Bridge, Rehab, Flip, Long-Term Rental
  • Lending to Experienced Investors
  • Up to 85% LTC for Fix & Flip Projects
  • 15%+ Cash Required for Flip Purchase

Not Available

  • NO Owner-Occupied Homes
  • NO 100% Financing
  • NO 2nd's or Gap Funding
  • NO Land Loans
  • NO Ground-Up Construction

Send an email to American Heritage Lending