Loan Scenario:

This borrower turned to American Heritage Lending to pull equity out of a four-unit rental property in Martinsville, Virginia through a DSCR cash-out refinance. Even as a newer investor, the strength of the asset told the story: the fourplex appraised at $300,000 and the rents produced a healthy 1.684 debt-service coverage ratio, giving AHL the confidence to extend $225,000 at 75% loan-to-value. By financing with a DSCR loan on a 30-year term, the investor converted trapped equity into deployable capital while keeping the property’s monthly obligations well covered by its own income.

Martinsville sits in south-central Virginia, where approachable acquisition prices and solid rent-to-value ratios make small multifamily an efficient way to build cash flow. Markets like this across Virginia reward investors who can recognize a well-performing fourplex and recapitalize it to fund the next deal. If you own a rental with equity to unlock, begin your financing with AHL.

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