Recently Funded DSCR Loan In Mammoth Lakes, California
Loan Scenario:
An experienced investor set out to add a high-value detached condominium in Mammoth Lakes, California to their rental portfolio, and American Heritage Lending qualified the acquisition on the property’s own income rather than personal tax returns. With a substantial down payment bringing leverage to just 38% loan-to-value against a $1,825,000 appraised value, we delivered a DSCR loan of $696,500 supported by a strong 1.353 debt-service coverage ratio. The 40-year interest-only, True Zero Point structure minimized the monthly obligation and maximized cash flow on a premium asset.
Mammoth Lakes is a premier Eastern Sierra resort destination, home to one of California’s largest ski areas and a year-round outdoor economy that drives some of the strongest nightly vacation-rental rates in the state. Limited developable land and consistent tourist demand have made well-located mountain properties here durable, income-producing holds.
The low leverage and strong coverage positioned this investor for resilient long-term cash flow. Explore California rental financing and prequalify for financing with American Heritage Lending.
Similar Recently Funded Case Studies: DSCR Loan in Loma Linda, CA • DSCR Loan in Stockton, CA • DSCR Loan in Citrus Heights, CA
Key Deal Points
| Address | Mammoth Lakes, CA |
| Loan Type | DSCR Purchase |
| Borrower Profile | Experienced Investor |
| Property Type | Detached Condominium |
| Appraised Value | $1,825,000 |
| Loan Amount | $696,500 |
| Loan To Value (LTV) | 38% |
| DSCR | 1.353 |
| Loan Term | 40-Year Interest-Only |
| Loan Structure | True Zero Point Loan |
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