Loan Scenario:

An experienced investor with two decades of rental ownership came to American Heritage Lending to pull equity out of a detached PUD in Ruskin, Florida. With a long track record but a tightly cash-flowing property, the borrower needed a partner who could underwrite the asset on its own merits rather than lean on tax returns or personal income. Our team structured a DSCR loan against the home’s $340,000 appraised value, delivering $235,000 in cash-out proceeds at a conservative 69% loan-to-value while the property carried its own debt service at a 1.027 ratio. The 30-year term gave the investor durable, long-horizon financing and freed up capital to keep building the portfolio.

Ruskin sits on the southeastern shore of Tampa Bay, one of the fastest-growing pockets of the Sun Coast as buyers priced out of Tampa proper push south toward more attainable single-family inventory. Steady in-migration and a deep pool of renters make markets like this attractive for buy-and-hold investors, and AHL’s experience across Florida let us close cleanly on a seasoned operator’s timeline.

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