Loan Scenario:

An experienced investor who owns both a primary residence and an additional rental came to American Heritage Lending to refinance a single-family property in Thomasville, North Carolina. The borrower initially explored a cash-out but pivoted to a cleaner rate-and-term structure, and our DSCR loan made that pivot seamless by qualifying on rental income rather than personal income. With the home appraised at $250,350 and a $184,561 loan, the deal settled at a conservative 74% loan-to-value and a healthy 1.201 DSCR on a 30-year term. With the entity documents and property profile already in the file, we moved efficiently from application to funding.

Thomasville sits in the heart of North Carolina’s Piedmont Triad, within easy reach of Winston-Salem, Greensboro, and High Point, a region whose manufacturing, logistics, and furniture heritage keeps workforce rental demand steady. Reasonable home prices and reliable tenant pools make the Triad a dependable landscape for long-term rental investors. This refinance gave the borrower durable 30-year financing on an asset with room to spare on coverage. Investors throughout the state can access the same approach via our North Carolina programs, beginning with a quick financing pre-qualification.

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