Loan Scenario:

An experienced investor who already holds five rental properties used American Heritage Lending to take a fixed-and-held project in Temple, Texas to its long-term finish line. After renovating the home with AHL’s lender-funded rehab product, the borrower refinanced into a DSCR loan to retain the property as a rental rather than selling it.

AHL structured a $165,000 rate-and-term refinance against a $220,000 appraised value at 75% loan-to-value, with the rental covering its payment at a strong 1.382 coverage ratio. The 40-year interest-only term keeps the monthly carry low, maximizing cash flow on a freshly updated asset.

Temple sits in Central Texas along the I-35 corridor between Austin and Waco, a region fueled by major healthcare and logistics employers and consistent in-migration. That steady job and population growth supports reliable rental demand for well-maintained single-family homes, making a buy-fix-hold strategy particularly effective in this market.

By converting a renovation into a long-term income producer, this investor turned one transaction into lasting portfolio value. AHL offers the rehab-to-rental pathway and the Texas market expertise to make it happen — start with AHL financing.

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