Recently Funded DSCR Loan In Justin, Texas

Loan Scenario:

This DSCR Cash-Out Refinance funded a single-family rental in Justin, Texas. Specifically, the property appraised at $550,000, and the investor secured a $150,000 loan. As a result, the loan carries a Loan-to-Value (LTV) of 27.27%. Notably, American Heritage Lending set up the loan as a True Zero Point Loan with a 30-Year Fixed term. Additionally, the DSCR of 1.825 reflects strong cash flow well above the 1.0 baseline.

The borrower is an experienced investor pulling equity from a stabilized rental. Therefore, the low LTV protects long-term equity while freeing up cash. Because DSCR uses property cash flow rather than personal income, this loan fits a portfolio investor. Furthermore, the 30-Year Fixed term locks in stable payments across the full hold period.

Justin sits in the northern DFW corridor, roughly 27 miles from Fort Worth. Specifically, the town benefits from steady population growth across the broader metroplex. Moreover, Northwest ISD schools and easy highway access support stable rental demand. Consequently, suburban DFW continues to attract long-term tenants seeking affordable homes and job access.

Overall, this deal shows how DSCR lending helps investors unlock equity without standard income checks. Specifically, the True Zero Point Loan removes upfront discount points. As a result, the borrower keeps more cash on hand for future deals. Furthermore, the 30-Year Fixed term gives long-term certainty for portfolio planning.