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American Heritage Lending

Found your investment property? We'll find your financing.

Long Term Rental Loan

Property Types 2-4 Units, SFR
Lendding Area NATIONWIDE
Updated as of 2022-01-01
Program Code LG50

Construction Loan
Ground Up

Property Types 2-4 Units, Condo, SFR
Lendding Area NATIONWIDE
Loan amount Minimum $75,000
Loan amount Maximum $2,000,000
Interest Rate Minimum 11.5%
Interest Rate Maximum 14.75%
Terms 6 month, 1 year, 18 month, 2 year
Credit Score Min 660
Interest Only or Amortized Interest Only
Fees Underwriting
Lien Position 1st
Prepayment Penalty No Prepayment Penalty
Intended Occupancy Tenant
Reserve Requirement 6 months
Updated as of 2023-12-11
Program Code LG375

Summary of all Guidelines

Loan Types Bridge Loan, DSCR Loan, Rehab Loan
Property Types 2-4 Units, SFR
Lendding Area alabama, alaska, arizona, arkansas, california, colorado, connecticut, delaware, florida, georgia, hawaii, idaho, illinois, indiana, iowa, kansas, kentucky, louisiana, maine, maryland, massachusetts, michigan, minnesota, mississippi, missouri, montana, nebraska, new-hampshire, new-jersey, new-mexico, new-york, north-carolina, ohio, oklahoma, oregon, pennsylvania, rhode-island, south-carolina, tennessee, texas, virginia, washington, west-virginia, wisconsin, wyoming
Loan amount Minimum $75,000
Loan amount Maximum $3,000,000
Interest Rate Minimum 7.5%
Points Maximum 1st TD 3
Terms 40 Years, 30 years
Interest Only or Amortized Interest Only, Amoritzed
Prepayment Penalty -, 1 year, 2 year, 3 years, 5 years
LTV Bridge 70
LTC Construction 85
Upfront Fees Appraisal, Underwriting
ARV Rehab & Construction 70
LTC Rehab 85
LTV Long Term Rental 80
Personal Guarantee /Recourse Required Personal Guarantee Required / Recourse
Intended Occupancy Owner, Vacant, Tenant
Percentage of Budget Financed - Rehab 100
LTC Percentage of Budget Financed 100

A Lender You Can Trust
American Heritage Lending is a customer service-oriented lender in the Non-QM mortgage market. The company was founded by mortgage professionals with a long history of providing flexible solutions to borrowers who don’t fit the Qualified Mortgage space.

American Heritage Lending prides itself on providing superior service, and our experienced staff is here to help you every step of the way. Our highly trained Account Executives, Loan Brokers, and Loan Officers work with clients to structure loans and provide real solutions for difficult loans that were rejected by traditional lenders or Government automated underwriting methods.

With over $1 Billion in loans funded, we have experience in all facets of real estate lending. We understand the complexities of serving this niche market. We are a direct lender handling loan submission to funding in-house. We bring a simple, unparalleled, common-sense approach to underwriting loans, making American Heritage Lending, Inc. the only sensible choice.

American Heritage Lending is located in Irvine, CA. They offer financing for Bridge Loans, DSCR Loans and Rehab Loans. The property type they primarily lend against is SFR and 2-4 Units. Their minimum loan amount is $75,000. Their maximum loan amount is $3,000,000. They offer loans for a minimum Term of 1 year. Maximum duration of 40 Years;30 years. Although rates can change they are typically lending at a minimum rate of 7.5%. Points charged are deal specific, but historically have charged a minimum of 0. Maximum points charged are 3.

These descriptions are limited information and meant for general reference purposes.
19800 MacArthur Blvd. Suite 950