Recently Funded DSCR Loan In Medina, New York
Loan Scenario:
An experienced investor added a cash-flowing two-unit property in Medina, New York with help from American Heritage Lending’s DSCR loan. With a strong 1.454 debt-service coverage ratio, the duplex’s rents comfortably outpaced the payment, letting the borrower qualify on the property’s performance alone.
AHL funded $88,000 against a $120,000 appraised value at 80% loan-to-value on a 30-year term. For a modestly priced asset throwing off healthy coverage, the long fixed term locks in predictable carrying costs and a wide cash-flow cushion from day one.
Medina is a historic canal village in Orleans County along the Erie Canal in Western New York, where low entry prices and steady working-household demand make small multi-family properties attractive to yield-focused investors. In markets like this, affordable duplexes with solid coverage ratios can deliver the kind of dependable monthly income that anchors a long-term rental strategy.
With the purchase closed and tenants in place, this investor’s portfolio is generating from the first month. Investors pursuing high-coverage rentals can get started with AHL financing.
Similar Recently Funded Case Studies: DSCR Loan in Rochester, NY • DSCR Loan in Gloversville, NY • DSCR Loan in Albany, NY
Key Deal Points
| Address | Medina, NY |
| Loan Type | DSCR Purchase |
| Borrower Profile | Experienced Investor |
| Property Type | 2 Units |
| Appraised Value | $120,000 |
| Loan Amount | $88,000 |
| Loan To Value (LTV) | 80% |
| DSCR | 1.454 |
| Loan Term | 30-Year |
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