Loan Scenario:

American Heritage Lending backed an experienced investor with a $125,250 DSCR cash-out refinance on a single-family detached home in Rochester, New York, pulling equity out of a stabilized buy-and-hold rental to fund the next move. The property appraised at $167,000, so the loan closed at 75% loan-to-value on a 30-year term, keeping leverage measured while still returning usable cash. This was structured as a True Zero Point Loan, which held the cost of the refinance down at closing. DSCR fits this play cleanly: qualification came from the property’s rental income rather than the borrower’s personal earnings, so there were no tax returns or work papers to assemble. The rent covers the note at a strong 1.807 DSCR, ample coverage that carries the debt comfortably and gives an experienced operator room to keep scaling. A fixed long-term structure suits a buy-and-hold, locking the payment while the investor redeploys the cash-out proceeds.

Rochester anchors Monroe County in Western New York, at the mouth of the Genesee River on Lake Ontario. The University of Rochester, which includes Strong Memorial Hospital and the university’s medical center, is the region’s largest employer, and grocery giant Wegmans is headquartered here alongside Rochester Institute of Technology. The city carries a deep legacy of optics and imaging from Kodak, Xerox, and Bausch & Lomb, and that steady, educated workforce keeps rental turnover reliable. Notably, Rochester remains one of the more affordable metros in the Northeast and is routinely cited as a strong market for first-time buyers, which keeps demand firm on both the rental and resale sides.

Overall, this deal shows how American Heritage Lending backs investors with practical DSCR financing. Measured leverage, coverage-qualified underwriting, and a fixed 30-year payment let the borrower unlock equity while holding a well-located rental in a market anchored by education and healthcare.

Similar Recently Funded Case Studies: DSCR Loan in Lake George, NY  •  DSCR Loan in Oswego, NY  •  DSCR Loan in Pulaski, NY

Additional Images