Loan Scenario:

A returning investor who meets AHL’s experience requirements purchased a single-family rental in Roanoke and financed it through a DSCR loan structured as a True Zero Point transaction. With the home appraised at $315,000, American Heritage Lending advanced $232,000 at 80% loan-to-value on a 30-year term — a higher-leverage structure made possible by a standout debt-service-coverage ratio of 1.770. That coverage figure meant the property’s rents were projected to cover the new mortgage obligation nearly two times over, giving the deal a wide margin of safety.

Roanoke’s rental market continues to reward buy-and-hold investors thanks to its low entry prices relative to Virginia’s larger metros, a diversified employment base led by healthcare and advanced manufacturing, and consistent tenant demand across its established residential neighborhoods. A single-family home at this price point attracts stable, longer-term renters, which is exactly what produced the strong coverage on this file. It is a textbook case of the kind of cash-flowing Virginia rental that AHL is built to close — and the same financing is available to investors ready to grow.

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