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American Heritage Lending describing itself
American Heritage Lending
Irvine, CA·Founded 2004·Nationwide
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.
Loan programs
Term
10 yr – 40 yr
Maximum leverage
Max LTV 85%Max LTV (cash-out) 75%Max LTP 80%
Maximum leverage
Max LTV 85%Max LTC 100%Max ARV 70%Max LTP 90%
Maximum leverage
Max LTV 85%Max LTC 85%Max LTCV 65%
Maximum leverage
Max LTC 85%Max ARV 70%Max LTP 85%
Maximum leverage
Max LTV 85%Max LTP 90%
Also offers— no published terms
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
Lending footprint
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.
- Private Lender Linkretrieved 2026-09-15
- Lender websiteretrieved 2026-09-15
- Drive Active Compact FULL 2026-09-15retrieved 2026-09-15
- Scotsman Guide / LenderSearchretrieved 2026-09-14