Recently Funded DSCR Loan In Stockton, California
Loan Scenario:
A newer investor turned to American Heritage Lending to unlock equity in a three-unit property in Stockton, California through a conservative cash-out refinance. On a triplex appraised at $570,000, AHL closed a DSCR loan of $320,000 at just 56% loan-to-value on a 30-year term, with the property generating a standout 1.661 debt-service coverage ratio. The low leverage and strong cash flow made this one of the cleaner files to underwrite, giving the borrower liquidity while keeping a large equity buffer intact.
Stockton anchors California’s Central Valley, where relative affordability, Bay Area spillover demand, and strong rents on multi-unit properties make triplexes especially attractive to income-focused investors. With three units sharing the debt and coverage well above break-even, this asset comfortably supports the new loan and then some. AHL was pleased to provide the financing for this California investor.
Similar Recently Funded Case Studies: DSCR Loan in Ridgecrest, CA • DSCR Loan in Chico, CA • DSCR Loan in Parlier, CA
Key Deal Points
| Address | Stockton, CA |
| Loan Type | DSCR Cash Out Refinance |
| Borrower Profile | Newer Investor |
| Property Type | 3 Units |
| Appraised Value | $570,000 |
| Loan Amount | $320,000 |
| Loan To Value (LTV) | 56% |
| DSCR | 1.661 |
| Loan Term | 30-Year |
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