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
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add)
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term
Residential Fix & Flip
Residential Rehab & Hold
Residential Construction
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
80%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Family
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
1Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
3Maximum After Repair Value
75%Minimum Loan Amount
$75,000Maximum Loan Amount
$3,000,000Minimum Interest Rate
5%Maximum Interest Rate
8%Minimum Origination Fee
1.00%Maximum Origination Fee
3.00%Minimum Loan Term
60 monthsMaximum Loan Term
360 monthsMaximum Loan-To-Value
75%Maximum Loan-To-Purchase
85%Minimum Debt Service Coverage Ratio
1.00Will Lend on a Portfolio of Properties
NoMinimum Property Value
$100,000Maximum Property Value
$5,000,000Contact American Heritage Lending
Stay Informed About Private Lending
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
Office Locations
19800 MacArthur Blvd. Suite 950, Irvine, California 92612Our Team
Justin Smith
CEO
CA DRE Broker License - 01453467
NMLS ID - 24860
David Orloff
CFO
CA DRE Broker License - 01206213
NMLS ID - 114997
Contact American Heritage Lending
Stay Informed About Private Lending
Contact This Lender
Create a Loan Request
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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
$100,000
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