Recently Funded DSCR Loan In Denison, Texas

Loan Scenario:

This DSCR Cash-Out Refinance funded a single-family rental in Denison, Texas. Notably, the property carries an appraised value of $280,000, and AHL closed a $210,000 loan. As a result, the deal sits at a 75.00% Loan-to-Value (LTV) ratio at maximum program leverage. Also, AHL structured the loan as a True Zero Point Loan. Because of this, the borrower paid no discount points at closing. Moreover, the 30-year fixed term locks in a stable payment for the full loan period.

The borrower is an experienced investor pulling equity from a rental property. Therefore, this borrower used the DSCR program to unlock capital. Notably, approval rests on the property’s cash flow rather than tax returns. Also, the property posts a DSCR of 1.088, which clears the program’s coverage floor.

First, Denison sits north of the Dallas-Fort Worth metro along the Texas–Oklahoma border. Then, growth from the broader DFW region continues to push demand into Grayson County. Also, the local rental market draws steady tenant interest at modest price points. As a result, rentals in this area continue to deliver steady cash flow.

Overall, this deal shows how AHL helps experienced investors tap equity without the friction of standard bank approval. Notably, the True Zero Point Loan structure trims closing costs at a 75% LTV ceiling. As a result, the borrower walked away with cash in hand and a fixed-rate payment for 30 years. Plus, the program supports continued portfolio growth without disturbing the asset.