Loan Scenario:

A newer investor with a compelling first acquisition turned to American Heritage Lending to move on a three-unit property in Fort Valley, Georgia — and the fundamentals made it an easy deal to champion. The property appraised at $445,000 and, most importantly, cash-flowed with real strength, posting a 1.615 debt-service coverage ratio that gave both borrower and lender confidence in day-one performance. We closed a 30-year DSCR loan of $333,750 at 75% loan-to-value, qualifying the deal on the property’s income rather than the borrower’s personal tax returns.

For an investor who already owns their primary residence and is stepping into rental ownership for the first time, a small multifamily with coverage well above break-even is an ideal foundation to build on.

Fort Valley sits in the heart of middle Georgia’s Peach County, a steady, affordable rental market anchored by Fort Valley State University and its proximity to the broader Macon and Warner Robins employment corridor. That combination of low entry pricing and durable tenant demand is what makes multi-unit properties here such dependable cash-flow assets. New and seasoned investors alike can start their financing anywhere in Georgia with our team.

Similar Recently Funded Case Studies: DSCR Loan in Fort Valley, GA  •  DSCR Loan in Morganton, GA  •  DSCR Loan in Decatur, GA

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