Loan Scenario:

An experienced investor in Tomball, Texas worked with American Heritage Lending on a conservative DSCR cash-out refinance of a detached PUD rental. Against a $280,000 appraised value, AHL structured a $154,332 DSCR loan at just 55% loan-to-value, with the property’s income driving a strong 1.471 debt-service coverage ratio.

The low leverage and robust cash flow gave AHL confidence to close on a 30-year term even with a recent acquisition date, working through an exception in the file to get the deal done. For an investor already holding multiple properties, the pulled equity meant fresh capital for the next opportunity.

Tomball sits in the fast-growing northwest corridor of the Houston metro, where master-planned communities, strong schools, and access to the Grand Parkway have drawn a steady stream of families. That demand keeps quality single-family rentals in the area well-occupied and appreciating.

With a DSCR of nearly 1.5 and conservative leverage, this was a clean, low-risk refinance, and a strong example of AHL’s Texas financing at work.

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