Recently Funded DSCR Loan In Middletown, New York
Loan Scenario:
A returning American Heritage Lending client — and experienced investor — came back to refinance a single-family rental in Middletown, New York through a rate-and-term DSCR loan. Having worked with AHL before, the borrower knew the process would hinge on the asset, not on pay stubs, and move quickly.
AHL placed a $362,000 loan against a $600,000 appraised value — a conservative 60% loan-to-value — on a 30-year term, with the rental holding its payment at a 1.004 coverage ratio. The low leverage gives the investor substantial equity protection while putting the loan on durable long-term footing.
Middletown anchors Orange County in New York’s Hudson Valley, roughly an hour and a half from Manhattan, and has drawn steady rental demand from households priced out of the city and nearby suburbs. Single-family rentals in these commuter-belt markets benefit from a deep tenant pool and long-run appreciation, making a conservative refinance a sound way to reset terms on a core holding.
With the refinance complete, this repeat client has reset the foundation of a key asset. AHL is ready to help investors do the same with streamlined financing.
Similar Recently Funded Case Studies: DSCR Loan in Albany, NY • DSCR Loan in Rochester, NY • DSCR Loan in Gloversville, NY
Key Deal Points
| Address | Middletown, NY |
| Loan Type | DSCR Rate & Term Refinance |
| Borrower Profile | Experienced Investor |
| Property Type | Single Family Detached |
| Appraised Value | $600,000 |
| Loan Amount | $362,000 |
| Loan To Value (LTV) | 60% |
| DSCR | 1.004 |
| Loan Term | 30-Year |
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