Loan Scenario:

American Heritage Lending recently funded a cash-out refinance for a newer investor who already owns both a primary residence and additional investment property in the Philadelphia area. The subject, a single-family rental in Lester, appraised at $235,000, and the $176,250 loan brought the file to a 75% loan-to-value while returning valuable capital to the borrower. With a strong 1.170 debt-service coverage ratio, the property comfortably carries its own financing, a key reason our team could move the deal to the closing table.

We structured the transaction as a 30-year DSCR loan delivered as a true zero-point loan, minimizing upfront cost so more of the borrower’s cash-out proceeds could go straight back to work. Lester sits in Delaware County just outside Philadelphia, moments from Philadelphia International Airport and the I-95 corridor, an established, transit-friendly pocket where steady tenant demand keeps rental properties performing reliably.

This deal is a clear example of how a growing Pennsylvania investor can recycle equity into their next opportunity, and how the right financing partner helps turn a well-run rental into fuel for portfolio growth.

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