Recently Funded DSCR Loan In Decatur, Georgia
Loan Scenario:
An experienced investor holding multiple rentals turned to American Heritage Lending to pull equity out of a single-family rental in Decatur, Georgia, and we delivered with a 30-year DSCR loan structured as a cash-out refinance. Against a $305,000 appraised value, the $228,750 loan landed at a clean 75% loan-to-value, freeing up capital the borrower can redeploy into their next acquisition.
With a debt-service-coverage ratio of 1.094, the property’s rent comfortably supports the new payment, so the deal qualified on the asset’s performance rather than the borrower’s tax returns. For a seasoned investor focused on scaling, that streamlined, income-based approval is precisely why the DSCR product exists.
Decatur remains one of metro Atlanta’s most sought-after submarkets — a walkable, amenity-rich city just east of downtown with top-rated schools, a thriving restaurant scene, and easy MARTA access to the region’s employment centers. That durable renter demand and steady appreciation make Decatur single-family rentals a cornerstone hold for long-term investors.
Ready to unlock the equity in your Georgia rentals and put it to work? American Heritage Lending makes cash-out financing simple — reach out today.
Similar Recently Funded Case Studies: DSCR Loan in Morganton, GA • DSCR Loan in Macon, GA • DSCR Loan in New Harford, NY
Key Deal Points
| Address | Decatur, GA |
| Loan Type | DSCR Cash Out Refinance |
| Borrower Profile | Experienced Investor |
| Property Type | Single Family Detached |
| Appraised Value | $305,000 |
| Loan Amount | $228,750 |
| Loan To Value (LTV) | 75% |
| DSCR | 1.094 |
| Loan Term | 30-Year |
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