Recently Funded DSCR Loan In Jacksonville, Florida
Loan Scenario:
An experienced investor approached American Heritage Lending to refinance a single-family rental in Jacksonville, Florida, and strengthen the long-term economics of a property already earning in their portfolio. Rather than pull cash out, the borrower chose a rate-and-term DSCR loan that qualifies on the home’s rental income instead of personal income documentation, landing at a $166,400 loan amount against a $208,000 appraised value for a comfortable 80% loan-to-value and a healthy 1.143 debt-service coverage ratio.
Jacksonville remains one of the most compelling rental markets in Florida, with steady population growth, a diversified job base spanning logistics, finance, and healthcare, and affordability that still outpaces the South Florida metros — a combination that keeps tenant demand durable for a well-located single-family home.
Because this borrower already owned several rentals, our team moved quickly to structure a clean 30-year term built for years of stable performance. If you’re ready to refinance or grow your own portfolio, we can help you explore your financing options.
Similar Recently Funded Case Studies: DSCR Loan in Titusville, FL • DSCR Loan in Inverness, FL • DSCR Loan in Glendora, CA
Key Deal Points
| Address | Jacksonville, FL |
| Loan Type | DSCR Rate & Term Refinance |
| Borrower Profile | Experienced Investor |
| Property Type | Single Family Detached |
| Appraised Value | $208,000 |
| Loan Amount | $166,400 |
| Loan To Value (LTV) | 80% |
| DSCR | 1.143 |
| Loan Term | 30-Year |
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