Loan Scenario:

A repeat investor who already owns two rental properties came to American Heritage Lending to refinance a single-family home in Macon, Georgia and improve the terms on his existing debt. Because this was a straightforward rate-and-term transaction, we used the AHL Invest Star DSCR loan to qualify on the asset’s cash flow and close the loan in the borrower’s individual name. The home appraised at $170,000 and we funded $136,000 at an 80% loan-to-value, with the rental income producing a strong 1.434 DSCR on a 30-year term. We also delivered it as a True Zero Point loan, so the borrower reset his financing without paying points to do it.

Macon anchors central Georgia at the crossroads of I-75 and I-16, a logistics and healthcare hub roughly an hour south of Atlanta that has drawn steady investor interest for its affordability and dependable rental demand. Lower entry prices paired with solid coverage ratios continue to make the market a favorite for buy-and-hold operators scaling a portfolio one property at a time. This refinance let the borrower lock in long-term stability on an asset already performing well. Investors across the state can pursue the same strategy through our Georgia programs, starting with a simple financing pre-qualification.

Similar Recently Funded Case Studies: DSCR Loan in Conyers, GA  •  DSCR Loan in Decatur, GA  •  DSCR Loan in Belton, TX

Additional Images