One Time Close Construction Loan To Permanent Financing For Build To Rent Investors

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Loan Purpose

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After Repair Value

    
 
 
        
   Acesa Garrard 
 5 October 2026
 
 
  Jessica got our first deal with American Heritage Lending closed in Fremont, Ohio. It was not a clean one. The seller was an estate, and probate plus a Medicaid lien pushed closing back three times. The loan held through every extension. We asked for the full rehab budget, contingency included, to go into the construction reserve. It came back approved. For us that is the difference between running one project at a time and running two. Closed September 15. Rehab is underway. If you flip houses and care about structure and keeping your cash free, call Jessica.
  
 
       
   Kris McKinley 
 25 September 2026
 
 
  I worked with Jessica at American Heritiage Lending by far one of the easiest lenders I’ve ever worked with. The process was simple, her communication was top-notch. I don’t know if there’s a better option out there, She’s definitely my new go to for lending on my rentals and fix and flips
  
 
       
   Ana Medina 
 22 September 2026
 
 
  I'm very thankful Mr. Casey Albright, Senior Loan Officer was the loan officer handling my process. Casey was very professional, responsive, knowledgeable, and kind throughout the entire process.  His entire team including Ms. Phi Nguyen, Senior Loan Processor, were all very professional and knowledgeable.  The process was smooth and stress free.  The entire team worked efficiently and were very responsive to any questions I had.  Thank you for the positive experience!
  
 
       
   Brandon Henington 
 4 September 2026
 
 
  Jessica Reynolds went above and beyond. She made the entire process seamless. I highly recommend Jessica and American Heritage Lending!!!!
  
 
       
   Trez Ibrahim 
 1 September 2026
 
 
  Brad and Tami were both incredible throughout the entire process. They were very transparent, helpful, patient and led me through everything I needed. They were very responsive and quickly closed the loans despite my holding them up on a few things they needed from me. I would highly recommend them and plan on working with them again in the future.
  
 
       
   Michele Albohn 
 27 August 2026
 
 
  I'm a broker and recently worked on a challenging file with AHL, and they got it done.  Michael Moss and his underwriting manager, Jackie, and account manager Moniqua were responsive, fast and got the job done.  We would not have been able to close without their expertise and ability to guide us to get this done!  Highly recommend!
  
 
       
   Francia Castro 
 25 August 2026
 
 
  I had the pleasure of working with Anthony Jarvis and he was very involved from the get-go. Our first conversation felt like he understood exactly what my goal was and it was easy for me to continue to explore the process because of it. He was attentive and always available to chat about my project. The numbers also made sense in terms of interests vs points up-front. I would definitely be using them again for my dscr loan and future investments.
  
 
       
   James Hoffman 
 25 August 2026
 
 
  Here's to new business adventures!!!!
  
 
       
   greg mckenzie 
 21 August 2026
 
 
  I had an incredible experience working with Brad at American Heritage Lending. From start to finish, he was exceptionally responsive, always answering my questions quickly and keeping me updated at every step of the process.Brad truly goes over and above for his clients. He anticipated potential roadblocks before they could cause issues and worked tirelessly to ensure everything stayed on track. Thanks to his dedication, attention to detail, and constant communication, we had a completely stress-free and smooth closing.If you are looking for a loan officer who is professional, proactive, and genuinely cares about getting you across the finish line, I highly recommend Brad!
  
 
       
   Jessica Rodriguez 
 20 August 2026
 
 
  After trying to locally source a hard money lender and having no luck for the scope of the project I found American heritage , where Tim Young provided exceptional service from start to finish in helping me secure the loan I needed! Just closed and hopefully I’ll be back to do more business with them! 🤩🙌🏻

Single Close Construction To Permanent Rental Financing Loans

Innovative Loans For Forward-Thinking Investors.

Introducing the One-Time Close Construction to Permanent Loan—a game-changing solution designed for visionary real estate investors and developers. This innovative financing product simplifies the process of funding your construction projects, offering a seamless and comprehensive solution that takes you from blueprint to completion without the headaches of traditional financing.

With the One-Time Close Construction to Permanent Loan, you combine the power of construction and permanent financing into a single, streamlined package. No need for multiple loan applications, approvals, or redundant paperwork—just one easy, efficient loan to cover the entire project from start to finish.

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The Importance of Private Lenders in Construction Lending

Private lenders are a vital part of the real estate industry, particularly for investors involved in ground-up construction projects. While traditional banks are typically focused on long-term, low-risk financing options, private lenders like American Heritage Lending offer flexible, customized loan products designed specifically to meet the unique demands of real estate investors. When it comes to financing construction, private lenders stand out as a preferred choice due to their ability to act quickly, offer flexible loan structures, and provide financing for projects that may not meet the stringent requirements of conventional lending institutions.

Flexibility to Meet Investor Needs

One of the biggest advantages of working with private lenders is their ability to offer flexible financing terms. Unlike traditional lenders that may impose rigid requirements based on credit scores, income verification, and lengthy underwriting processes, private lenders take a more holistic approach to evaluating the viability of a construction project. With products like American Heritage Lending’s One-Time Close Construction to Permanent (C-to-P) Loan, the focus shifts from borrower-specific metrics to the value of the project itself and its potential as an investment.

This flexibility allows real estate investors to secure financing even for more complex construction projects, such as those involving distressed properties or multifamily units. With private lenders, you can tailor loan structures that better fit your investment strategy, including features like DSCR (Debt Service Coverage Ratio) loans. DSCR loans base their approval on the income-generating potential of the property, making them an excellent option for rental property investors who may not have traditional income streams.

Speed and Convenience

Time is of the essence in the real estate industry, especially for ground-up construction projects. Delays in financing can lead to increased costs, missed opportunities, and a slow start to the project. Private lenders, like American Heritage Lending, offer quick approvals and fast funding, often within days or weeks, in contrast to the months-long process of conventional lenders. This accelerated timeline is crucial when bidding on properties, purchasing materials, or paying contractors to keep construction on track.

According to BuildZoom, the average time to complete a ground-up single-family home project is between 7 and 12 months. Securing quick financing can help investors complete projects more efficiently and capture profits faster, making private lenders an attractive option for investors focused on maximizing their returns in a competitive market.

Growing Demand for New Construction

Ground-up construction is becoming an increasingly popular choice for real estate investors. According to the National Association of Home Builders (NAHB), single-family home construction accounted for 12.5% of home sales in 2022. The demand for new housing continues to rise, driven by a shortage of inventory in many regions and the increasing popularity of custom-built homes. As rental demand also increases, investors see significant opportunities to build and hold newly constructed properties.

By choosing a private lender like American Heritage Lending, investors can quickly secure the capital they need to break ground on projects in these high-demand areas, offering both short-term profits from sales or long-term returns from rental income.

The Benefits of In-House Takeout Financing

Another unique advantage of working with American Heritage Lending is their ability to provide in-house takeout financing. In the world of construction financing, takeout financing refers to the loan that replaces the initial construction loan with a permanent mortgage after the project is complete. Traditionally, this would require investors to refinance and go through an entirely new loan approval process, which can be time-consuming and costly.

By providing in-house takeout financing, American Heritage Lending eliminates the need for investors to secure financing from a new lender after construction. This brings several key benefits:

Seamless Transition from Construction to Permanent Loan

With American Heritage Lending’s in-house takeout financing, you avoid the need to re-apply for a separate mortgage at the end of construction. The loan automatically converts from a construction loan to a permanent mortgage, ensuring a smooth, seamless transition. This saves time and prevents any potential delays in securing permanent financing, allowing investors to focus on completing their projects and moving on to the next opportunity.

Reduced Costs

When investors have to refinance their construction loans into permanent loans through another lender, they often face two rounds of closing costs. According to Zillow, typical closing costs for a mortgage range from 2% to 5% of the loan amount. By bundling construction and permanent financing into one loan, investors only pay closing costs once, resulting in significant savings that can be reinvested into the project or the next investment.

The Uniqueness of the One-Time Close Product

One of the most significant advantages offered by American Heritage Lending is the One-Time Close Construction to Permanent Loan. This product combines the construction and permanent financing into one loan, requiring only a single closing. This is a game-changer for real estate investors, offering several distinct benefits over traditional loan products.

One Loan, One Closing

The One-Time Close Construction to Permanent Loan eliminates the need for two separate loan applications, approvals, and closings. Instead, investors complete the financing process in a single step, covering both the construction and permanent phases with one loan. This means fewer hassles, less paperwork, and reduced stress for investors.

Loan Modification vs. Refinance

Traditional construction loans require refinancing once the project is completed, which involves going through another full loan approval process. This includes a new appraisal, re-qualification of the borrower’s income, and additional fees. With American Heritage Lending’s One-Time Close product, the loan is simply modified, not refinanced, after the construction phase.

Predictable Terms and Costs

The One-Time Close Construction to Permanent Loan provides investors with predictable terms and costs, which is critical for accurate budgeting. By locking in both the construction and permanent loan terms from the start, investors have a clear understanding of their financing costs and can plan accordingly. This eliminates the uncertainty that comes with unexpected refinancing fees.

Growing Popularity of Ground-Up Construction and DSCR Loans

The rise in demand for new housing and rental properties has made ground-up construction an increasingly attractive investment strategy. The National Association of Realtors (NAR) reports that inventory shortages across the country are fueling demand for newly built homes, giving investors a lucrative opportunity to fill this gap through new construction.

Similarly, DSCR loans have become an essential tool for real estate investors focused on rental properties. These loans allow investors to qualify based on the rental income the property generates, rather than relying solely on personal income. According to ATTOM Data Solutions, investor activity in the housing market has continued to rise, with many leveraging DSCR loans to expand their portfolios without needing to meet the traditional income documentation requirements of conventional loans.

Choosing the Right Lender for Construction Financing

Selecting the right lender for your construction project is crucial. Investors need a lender that understands the complexities of ground-up construction and can provide flexible, tailored solutions. American Heritage Lending offers a One-Time Close Construction to Perm Loan that combines all of these essential features into one easy, streamlined process.

Access to Scalable, Stable Capital

When it comes to construction lending, you want to work with a lender that has access to scalable and stable capital. This ensures that you’ll have access to additional funds if your portfolio expands or your financing needs change. Additionally, stable capital means the lender can continue to fund projects, even in changing market conditions. American Heritage Lending provides reliable capital solutions that allow investors to complete their projects with confidence, regardless of market fluctuations.

In conclusion, the One-Time Close Construction to Permanent Loan from American Heritage Lending is a cutting-edge product that simplifies the financing process for real estate investors. With in-house takeout financing, streamlined loan modifications, and the ability to lock in interest rates, this product offers unparalleled benefits for investors looking to complete ground-up construction projects efficiently and cost-effectively. Whether you’re building a rental property or your next investment project, American Heritage Lending provides the tools and support to help you succeed.