Loan Scenario:

Pulling equity out of a well-performing rental is one of the smartest ways experienced investors keep their capital in motion, and this Inkster, Michigan property was built for it. The borrower owned a single-family rental appraised at $106,000 that was generating strong income relative to its value, and they wanted to access some of that equity to redeploy elsewhere in their portfolio.

American Heritage Lending delivered a 30-year DSCR loan of $79,500 at 75% loan-to-value, structured as a True Zero Point Loan so no origination points were charged at closing. With the property posting a robust 1.456 debt-service coverage ratio, it easily supported the cash-out structure, letting the borrower unlock capital while keeping the rental comfortably in the black.

Inkster sits in Wayne County just west of Detroit, in a corridor where affordable acquisition prices and proximity to major employment centers have long made single-family rentals a cash-flow staple. Investors are drawn to the area’s strong rent-to-value ratios, which make cash-out refinances like this one especially effective for scaling a portfolio. AHL works with investors across Michigan to put trapped equity back to work. Investors can explore a cash-out option anytime through our financing team.

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