Recently Funded DSCR Loan In Memphis, Tennessee
Loan Scenario:
An experienced investor with a five-property portfolio worked with American Heritage Lending to pull equity from a performing Memphis, Tennessee rental through a DSCR loan cash-out refinance. The single-family home appraised at $140,000, and with a 1.046 debt-service coverage ratio the rental income covered the new 30-year financing — supporting a $105,000 approval at 75% loan-to-value. Because the loan qualified on property cash flow rather than tax returns, this seasoned operator could redeploy capital into the next acquisition without slowing down.
Memphis has long been a favorite among buy-and-hold investors for its low entry prices and durable rental demand, anchored by a diversified logistics, healthcare and distribution economy that keeps households in rental housing. Price points well below the national median leave room for healthy cash-on-cash returns, which is why portfolios in this market tend to grow quickly. This refinance is a clear example of how a Tennessee DSCR structure keeps an experienced investor’s capital in motion. Ready to leverage your rentals? Begin your financing with us today.
Similar Recently Funded Case Studies: DSCR Loan in Maryville, TN • DSCR Loan in Nashville, TN • DSCR Loan in Memphis, TN
Key Deal Points
| Address | Memphis, TN |
| Loan Type | DSCR Cash Out Refinance |
| Borrower Profile | Experienced Investor |
| Property Type | Single Family Detached |
| Appraised Value | $140,000 |
| Loan Amount | $105,000 |
| Loan To Value (LTV) | 75% |
| DSCR | 1.046 |
| Loan Term | 30-Year |
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