Recently Funded DSCR Loan In Warner Robins, Georgia
Loan Scenario:
American Heritage Lending backed an experienced investor with a $123,750 DSCR cash-out refinance on a single-family detached home in Warner Robins, Georgia, freeing equity from a stabilized buy-and-hold rental. The property appraised at $165,000, so the loan closed at 75% loan-to-value on a 30-year term, keeping leverage measured while returning usable cash. DSCR is built for exactly this move: because the loan leans on the property’s cash flow, the borrower skipped the tax returns and work papers a conventional refinance would require. The rent covers the note at a 1.289 DSCR, coverage that carries the debt while letting an investor who already holds several rentals pull cash to redeploy. The fixed long-term structure suits a buy-and-hold, locking the payment on a property meant to be held.
Warner Robins sits in Houston County in Middle Georgia, and its economy revolves around Robins Air Force Base—the largest single-site industrial complex in the state and its biggest single-site employer, home to the Warner Robins Air Logistics Complex. The base generated roughly $4.48 billion in economic impact in 2025, and its constant flow of military personnel, civilian workers, and defense contractors creates dependable rental turnover and steady occupancy. The city also offers housing costs well below Georgia’s larger metros, drawing renters who want affordability within reach of a stable employment anchor. Houston County has consistently ranked among Georgia’s busiest markets for VA and first-time buyers, a sign of the durable, base-driven housing demand that underpins the area. That combination of a massive federal employer and value pricing keeps Warner Robins rentals in demand.
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 one of the nation’s largest air logistics operations.
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Key Deal Points
| Address | Warner Robins, GA |
| Loan Type | DSCR Cash Out Refinance |
| Borrower Profile | Experienced Investor |
| Property Type | Single Family Detached |
| Appraised Value | $165,000 |
| Loan Amount | $123,750 |
| Loan To Value (LTV) | 75% |
| DSCR | 1.289 |
| Loan Term | 30-Year |
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