Loan Scenario:

When a longtime homeowner decides to turn a personal dream into an income-producing asset, the financing has to be as thoughtfully built as the property itself. This borrower purchased a parcel of Fort Pierce land back in 2020 and spent the following years constructing a custom beachside residence appraised at $2,100,000. Having owned their primary home for more than a decade but never before financed an investment property, they needed a lender comfortable underwriting a newer investor on a high-value, newly completed asset.

American Heritage Lending structured a rate-and-term DSCR loan that let the borrower move off short-term construction financing and into a permanent 30-year position, with the $1,180,000 loan landing at a conservative 56% loan-to-value. Because the property qualified on its own projected rental income at a 1.001 debt-service coverage ratio, the approval leaned on the strength of the asset rather than the borrower’s limited investment history.

Fort Pierce sits on Florida’s Treasure Coast, where a stretch of walkable downtown, deep-water access, and a steadily growing tourism and seasonal-rental market have made coastal single-family homes increasingly attractive to investors. Newly built beachfront inventory is scarce here, which positions this custom home well for both long-term tenancy and premium seasonal demand. For newer investors looking to enter markets like this, AHL offers Florida lending solutions built around the property’s performance. Investors ready to explore their options can begin the financing conversation with our team today.

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