Recently Funded DSCR Loan In Rochester, New York

Loan Scenario:

This DSCR Cash-Out Refinance covers a single-family rental in Rochester, New York. The home appraised at $167,000. Also, the borrower pulled $125,250 in cash through this refi. So the loan came in at a 75.00% LTV. Now the DSCR sits at a strong 1.807. Still, AHL funded the deal as a True Zero Point Loan. Here a 30-year fixed rate locks in steady payments for the long term.

The borrower is a seasoned investor with a strong track record. So this refi unlocks equity from a stable rental home. Then the borrower can put those funds to work on new deals. Also, the DSCR program skips tax returns and W-2 checks. Here approval rests on the home’s cash flow.

Rochester ranks as one of the top housing markets in the country for 2026. Also, the city draws renters from coastal areas seeking lower costs. So demand stays strong while supply stays tight. Here rent-producing homes hold their value and post steady cash flow.

Overall, this deal shows how AHL backs seasoned investors with smart refi terms. Also, the True Zero Point Loan trims upfront costs. So the borrower keeps more cash on hand. Then they can scale their rental portfolio without the limits of standard income docs.