Recently Funded DSCR Loan In Amity, Oregon
Loan Scenario:
A newer investor building a rental portfolio in the Willamette Valley turned to American Heritage Lending to tap equity in a single-family home in Amity, Oregon. Early in their investing journey, the borrower needed a lender comfortable qualifying the deal on the property’s rental income rather than a long ownership history. We structured a DSCR loan against the home’s $450,000 appraised value, returning $315,000 in cash-out proceeds at a comfortable 70% loan-to-value with the property covering its obligations at a 1.075 ratio. The 30-year term gave this emerging operator stable, long-term financing and the runway to reinvest in the next acquisition.
Amity is a small wine-country community tucked between McMinnville and Salem, surrounded by the vineyards and farmland that have made the Willamette Valley a national draw. Limited housing supply and strong demand from renters commuting to the valley’s larger employment hubs support durable rents, and AHL’s familiarity with Oregon rental markets helped us get a first-time DSCR borrower confidently to the closing table.
Similar Recently Funded Case Studies: DSCR Loan in New Harford, NY • DSCR Loan in Denison, TX • DSCR Loan in Kansas City, MO
Key Deal Points
| Address | Amity, OR |
| Loan Type | DSCR Cash Out Refinance |
| Borrower Profile | Newer Investor |
| Property Type | Single Family Detached |
| Appraised Value | $450,000 |
| Loan Amount | $315,000 |
| Loan To Value (LTV) | 70% |
| DSCR | 1.075 |
| Loan Term | 30-Year |
Additional Images
