Recently Funded DSCR Loan In Oswego, New York
Loan Scenario:
A newer investor building on an existing base of rental properties came to American Heritage Lending to acquire another Oswego single-family, and a DSCR loan structured as a True Zero Point program kept upfront costs to a minimum. The home appraised at $177,000, and we financed the purchase at 85% loan-to-value for a loan amount of $150,450 on a 30-year term. With projected rents covering the debt service at a 1.082 ratio, the deal qualified on the property’s own cash flow rather than the borrower’s tax returns.
Oswego’s location on Lake Ontario, anchored by a state university and a stable regional employment base, gives New York investors a rare combination of low acquisition costs and steady tenant demand. For a growing operator, that mix makes it easier to add doors without stretching a budget.
By pairing high-LTV financing with a no-points structure, we helped this investor preserve capital while expanding the portfolio. If you want to keep more cash in your pocket on your next purchase, start your financing with our team.
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Key Deal Points
| Address | Oswego, NY |
| Loan Type | DSCR Purchase |
| Borrower Profile | Newer Investor |
| Property Type | Single Family Detached |
| Appraised Value | $177,000 |
| Loan Amount | $150,450 |
| Loan To Value (LTV) | 85% |
| DSCR | 1.082 |
| Loan Term | 30-Year |
| Loan Structure | True Zero Point Loan |
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