Recently Funded DSCR Loan In Albrightsville, PA

Loan Scenario:

This financing scenario involves a Debt Service Coverage Ratio (DSCR) cash-out refinance for a single-family rental property located in Albrightsville, Pennsylvania. The property appraised at $255,000, and the investor secured a $191,250 loan, resulting in a Loan-to-Value (LTV) ratio of 75%. With a DSCR of 1.262, the property’s rental income provides a strong cash-flow buffer, supporting a 30-year fixed-rate loan without requiring tax returns or employment documentation.

The borrower, an experienced investor used the DSCR program to unlock equity from the property and strengthen their portfolio position. The home generates $2,800 per month in rent, which comfortably covers the debt obligation under DSCR guidelines. Because approval is based on the income performance of the property rather than personal income, the investor was able to secure long-term, stable financing while accessing capital for future opportunities.

Located in the Poconos region, Albrightsville continues to benefit from steady rental demand, supported by a mix of long-term renters and seasonal visitors. The area’s affordability and consistent occupancy trends make it an attractive market for investors seeking reliable income-producing assets. With strong cash flow and a favorable refinance structure, the property remains well-positioned for continued performance.

This transaction is another example of how American Heritage Lending supports experienced investors, providing DSCR-based financing that allows them to tap into existing equity, secure predictable payments, and continue expanding their rental portfolio without the limitations of traditional underwriting.