Recently Funded DSCR Loan In Houston, Texas
Loan Scenario:
A newer investor who already owns a primary residence and multiple rentals turned to American Heritage Lending to tap equity from a single-family home in Houston, Texas. AHL’s DSCR loan qualified the deal on the property’s rental income, funding a $126,000 cash-out refinance at 75% loan-to-value against a $168,000 appraised value on a 30-year term.
With a debt-service-coverage ratio of 1.012, the rents cover the new payment, and AHL’s flexible guidelines allowed this growing investor to pull capital out for their next move without the income-documentation hurdles of conventional financing. It is a practical example of how a modest portfolio can be leveraged into continued growth.
Houston’s sheer size and economic diversity make it a perennial favorite for buy-and-hold investors, with affordable single-family inventory, no state income tax, and a renter base fed by steady job and population growth. Neighborhood-level demand keeps well-maintained homes leased and appreciating. As this borrower expands across Texas, AHL is ready with the next round of financing.
Similar Recently Funded Case Studies: DSCR Loan in Denison, TX • DSCR Loan in Texas City, TX • DSCR Loan in Houston, TX
Key Deal Points
| Address | Houston, TX |
| Loan Type | DSCR Cash Out Refinance |
| Borrower Profile | Newer Investor |
| Property Type | Single Family Detached |
| Appraised Value | $168,000 |
| Loan Amount | $126,000 |
| Loan To Value (LTV) | 75% |
| DSCR | 1.012 |
| Loan Term | 30-Year |
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