Recently Funded DSCR Loan In Houston, Texas
Loan Scenario:
A repeat investor looked to unlock equity from a two-unit property in Houston, Texas, and American Heritage Lending delivered a clean cash-out refinance built around the asset’s cash flow. Rather than papering the file with tax returns, AHL used a DSCR loan to qualify the borrower on rental income alone, funding $288,000 at 75% loan-to-value against a $384,000 appraised value on a 30-year term.
The property posted a healthy debt-service-coverage ratio of 1.206, meaning the rents comfortably exceed the new debt obligation, and the deal was structured as a True Zero Point loan to put the freed-up capital to work without eroding it through upfront costs. For an experienced operator, that combination of strong coverage and cash in hand is the fuel for the next acquisition.
Houston’s multifamily and small-unit rental market benefits from a diversified economy, no state income tax, and steady in-migration that keeps tenant demand robust across neighborhoods. Two-unit properties in particular offer investors built-in diversification and dependable income. As this borrower reinvests across Texas, AHL stands ready with the next round of financing.
Similar Recently Funded Case Studies: DSCR Loan in Midland, TX • DSCR Loan in Denison, TX • DSCR Loan in Texas City, TX
Key Deal Points
| Address | Houston, TX |
| Loan Type | DSCR Cash Out Refinance |
| Borrower Profile | Experienced Investor |
| Property Type | 2 Units |
| Appraised Value | $384,000 |
| Loan Amount | $288,000 |
| Loan To Value (LTV) | 75% |
| DSCR | 1.206 |
| Loan Term | 30-Year |
| Loan Structure | True Zero Point Loan |
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