Recently Funded DSCR Loan In Winston Salem, North Carolina
Loan Scenario:
A newer investor who met American Heritage Lending’s qualifying guidelines came to us to purchase a Winston-Salem single-family rental, and a DSCR loan let the property’s strong cash flow carry the deal. The home appraised at $136,000, and we structured the purchase conservatively at 70% loan-to-value for a loan amount of $93,450 on a 30-year term. With rents producing a standout 2.009 debt-service coverage ratio, the acquisition qualified comfortably on income alone, giving even a first-time buyer a wide margin of safety.
Part of North Carolina’s Piedmont Triad, Winston-Salem has transformed its legacy manufacturing economy into a hub for healthcare, education, and research, giving North Carolina investors a diversified employment base and affordable entry prices. Strong rent-to-value ratios in a market like this are exactly what let a deal cash-flow so cleanly.
With coverage well above breakeven and low leverage, this purchase is a textbook first rental. If you are ready to buy your first investment property, explore your financing options with American Heritage Lending.
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Key Deal Points
| Address | Winston Salem, NC |
| Loan Type | DSCR Purchase |
| Borrower Profile | Newer Investor |
| Property Type | Single Family Detached |
| Appraised Value | $136,000 |
| Loan Amount | $93,450 |
| Loan To Value (LTV) | 70% |
| DSCR | 2.009 |
| Loan Term | 30-Year |
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