Loan Scenario:

An experienced investor looked to unlock equity from a performing rental in Montgomery, and American Heritage Lending delivered a cash-out solution built around the property’s income. Our DSCR loan provided $100,500 at 75% loan-to-value against a $134,000 appraised value, on a 30-year term. With the asset producing a solid 1.448 debt-service coverage ratio, the borrower was able to pull capital out while keeping the loan comfortably supported by rents.

As the capital of Alabama, Montgomery pairs a stable base of government and healthcare employment with some of the most affordable housing in the Southeast, a combination that keeps single-family rentals in steady demand. That kind of dependable tenant pool is what allows an investor to treat a property as a long-term cash-flow engine and a source of reinvestable equity at the same time.

By turning trapped equity into deployable capital, this refinance gives an active investor room to pursue the next opportunity. See how much you can put to work with financing from American Heritage Lending today.

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