10/14/2026
CASE STUDY
$475K Value-Add Rehab Purchase
Duplex in West Haven, CT
Total Loan Amount: $475,000
Rehab Financing: $191,000
Closing: Under 2 Weeks
October Lending helped this investor close on a value-add West Haven property with an unusually strong financing structure—including substantial rehab funds, seller credits, an in-house appraisal, and no payments for the first 12 months.
THE STRATEGY
✅ Acquire a value-add investment property in West Haven, Connecticut
✅ Complete a significant renovation and reposition the property
✅ Secure $191,000 in rehab financing
✅ Minimize the investor's upfront and ongoing cash requirements
✅ Structure the transaction for a very fast closing
THE LOAN
✅ $475,000 Total Loan Amount
✅ $191,000 Rehab Included
✅ No Payments for 12 Months
✅ 5% Seller Credit to help offset closing costs
✅ In-House Appraisal
✅ Closed in Under 2 Weeks
THE RESULTS
✅ Successfully acquired the investment property
✅ Secured $191K specifically for the renovation
✅ Reduced upfront cash requirements through 5% seller credits
✅ Eliminated monthly loan payments during the first 12 months, providing breathing room during construction
✅ Went from financing to closing in less than two weeks
✅ Gave the investor both the property and the capital needed to execute the renovation
THE INVESTOR WIN
✅This deal wasn't just about getting the acquisition financed—it was about creating a structure that gave the investor enough capital and time to execute the business plan.
✅October Lending secured a $475,000 loan with $191,000 in rehab funds, while a 5% seller credit helped offset closing costs. The structure also provided no payments for the first 12 months, helping preserve cash flow while renovations are completed.
