Loan Scenario:

An experienced investor who already owns multiple rental and multifamily properties turned to American Heritage Lending to add a single-family detached home in Rochester, New York, to the portfolio. This was a straightforward purchase, but the structure is what stands out: AHL closed it as a True Zero Point loan, meaning the borrower paid no discount points to secure the financing.

The property appraised at $337,000, and AHL funded a $268,000 DSCR loan at 80% loan-to-value on a 30-year term. Specifically, the projected rents produced a debt-service coverage ratio of 1.256, leaving healthy monthly cushion above the property’s obligations. For a seasoned operator, that combination of high leverage and strong coverage is exactly the kind of efficient capital deployment that keeps a portfolio growing.

Rochester remains one of upstate New York’s most durable cash-flow markets. Because home prices stay well below the national average while rents hold firm, the city consistently delivers strong rent-to-price ratios that favor buy-and-hold landlords. Additionally, a diversified employment base anchored by healthcare and education helps keep occupancy steady through market cycles.

Overall, this deal reflects how AHL supports repeat investors who qualify on the strength of the asset rather than personal income. Because the DSCR program underwrites to the property’s rents, this borrower was able to scale efficiently and reserve personal liquidity for the next opportunity. Investors looking to do the same across New York can start their financing in minutes.

Similar Recently Funded Case Studies: DSCR Loan in Albany, NY  •  DSCR Loan in Elmira, NY  •  DSCR Loan in Clifton Park, NY

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