Recently Funded DSCR Loan In Rochester, New York
Loan Scenario:
This Rochester deal is a great example of structure winning the day: an experienced investor wanted to pull equity out of a stabilized rental without paying points to do it, and American Heritage Lending delivered a True Zero Point DSCR loan that kept the borrower’s closing costs lean. The single-family detached home appraised at $148,000 and posted a strong 1.400 debt-service coverage ratio, so the rental income comfortably supported the new financing. We funded $111,000 in cash-out proceeds at 75% loan-to-value on a fixed 30-year term.
Rochester remains one of the most compelling cash-flow markets in New York, where affordable acquisition prices and durable rents—fed by the University of Rochester, a large medical sector, and a diversified regional economy—combine to produce coverage ratios that are increasingly hard to find in higher-cost metros. For investors focused on yield, that pairing is the whole ballgame.
Qualifying on the property’s cash flow rather than tax returns let this borrower keep the process simple and the capital moving. If you own a rental in Upstate New York and want to see what a zero-point cash-out could unlock, our team can walk you through financing options built around the asset.
Similar Recently Funded Case Studies: DSCR Loan in New Harford, NY • DSCR Loan in Poughkeepsie, NY • DSCR Loan in Brookhaven, PA
Key Deal Points
| Address | Rochester, NY |
| Loan Type | DSCR Cash Out Refinance |
| Borrower Profile | Experienced Investor |
| Property Type | Single Family Detached |
| Appraised Value | $148,000 |
| Loan Amount | $111,000 |
| Loan To Value (LTV) | 75% |
| DSCR | 1.400 |
| Loan Term | 30-Year |
| Loan Structure | True Zero Point Loan |
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