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American Heritage Lending

Irvine, CA·Founded 2004·Nationwide
Visit website ↗(800) 745-9280
American Heritage Lending offers DSCR loans, bridge loans, fix-and-flip financing, ground-up construction loans, and non-QM residential mortgage programs for investment properties.
American Heritage Lending describing itself

Loan programs

Fix to Rent (BRRRR)

Maximum leverage
Max LTC 85%Max ARV 70%Max LTP 85%

DSCR / Long-Term Rental

Term
10 yr – 40 yr
Maximum leverage
Max LTV 85%Max LTV (cash-out) 75%Max LTP 80%

Fix & Flip

Maximum leverage
Max LTV 85%Max LTC 100%Max ARV 70%Max LTP 90%

Ground-Up Construction

Maximum leverage
Max LTV 85%Max LTC 85%Max LTCV 65%

Bridge

Maximum leverage
Max LTV 85%Max LTP 90%
Also offers— no published terms
CommercialMultifamilyRental Portfolio / Blanket

Terms & qualification

Typical loan size
$100K – $5M
Typical term
30 yr
Interest rate
8% – 12%
Origination / points
1% to 3%
Minimum FICO
640
Lien position
1st
Prepayment penalty
Only applies to long-term rental loans which have a 2-year minimum.
Payment structure
Interest Only
Recourse
Always
Closing speed
5 days typical · 3 days fastest
Cross-collateral
No
Equity / JV capital
No
Income documentation
Credit Report, Loan Application
Borrower entity
Individual(s), LLC, Trust, Corporation

Property types

2–4 Unit ResidentialCondo / Townhome / PUDSingle-Family (SFR)

Lending footprint

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Explicitly excluded: ID, MN, ND, NV, SD, VT

Sources

This record was compiled from the public pages below. Figures reflect what each source published when it was retrieved and are not a quote — confirm current terms with the lender.