Recently Funded DSCR Loan In Clarksburg, West Virginia

Loan Scenario:

This DSCR rental loan features a detached 2-unit property located in Clarksburg, West Virginia. Specifically, the investor purchased the property for $116,600, which came in below the appraised value of $130,000. As a result, American Heritage Lending provided $87,450 in financing at 75% Loan-to-Cost (LTC) and 67.27% Loan-to-Value (LTV). Notably, the lender structured the loan as a True Zero Point Loan, removing upfront discount points from the deal. Additionally, the 30-year fixed-rate term gives the borrower stable, long-term payments.

The borrower, an experienced real estate investor, used the DSCR program to acquire a cash-flowing 2-unit property. Therefore, AHL based approval on the income the property produces rather than personal financials or work documents.

Furthermore, the property carries a DSCR of 2.054, meaning rental income more than doubles the monthly payment. Because of this strong cash-flow position, the investor secured favorable terms while keeping capital available for future deals.

Clarksburg continues to attract rental investors seeking low-cost multi-unit properties with reliable tenant demand. Specifically, the area benefits from steady occupancy driven by local employers and a limited supply of updated rental housing. As a result, well-placed 2-unit properties in this market offer consistent income potential. Moreover, purchasing below appraised value gives the investor built-in equity from day one.

Overall, this deal shows how American Heritage Lending supports experienced investors through DSCR-based financing tailored to income-producing properties. Specifically, the pairing of a True Zero Point Loan, a 30-year fixed term, and a 2.054 DSCR creates a stable base for long-term portfolio growth. As a result, the borrower acquired a strong cash-flowing asset without the limits of standard income review.