Loan Scenario:

When a savvy investor buys right, the follow-up move is often recapitalizing—and that is exactly what American Heritage Lending helped this Belmont borrower accomplish. The property was purchased with cash in August 2025, and once it was stabilized we structured a DSCR loan to recover that capital. The single-family detached home appraised at $290,000 with a solid 1.234 debt-service coverage ratio, and by keeping the cash-out refinance at a conservative 65% loan-to-value we returned $188,000 to the borrower on a fixed 30-year term while preserving substantial equity.

Belmont has quietly become one of the most desirable submarkets in the Charlotte metro, offering walkable small-town charm on the Catawba River just minutes from the region’s job centers across North Carolina. That blend of lifestyle appeal and proximity to Charlotte keeps tenant demand strong and supports the kind of steady appreciation that made this all-cash purchase-then-refinance strategy pay off.

Because we underwrite to the rental’s coverage rather than the borrower’s personal income, the recapitalization closed cleanly. Investors who buy with cash to win the deal can absolutely get that money back working for them—reach out to explore financing tailored to your next project.

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