Recently Funded DSCR Loan In Gainesville, Florida
Loan Scenario:
A newer investor with multiple properties already in the portfolio worked with American Heritage Lending to tap equity from a Gainesville rental, using a DSCR loan built on a True Zero Point structure to keep closing costs lean. The single-family detached home appraised at $315,000, and we delivered a $220,500 cash-out refinance at 70% loan-to-value on a 30-year term. The property’s rent supported a 1.027 debt-service coverage ratio, allowing the borrower to qualify on the asset rather than personal income.
Home to the University of Florida, Gainesville is one of the state’s most resilient rental markets, where a large student population, a major medical center, and steady public-sector employment keep occupancy high through economic cycles. Florida investors value that dependability, especially in a college town where demand rarely takes a season off.
With fresh capital in hand and no points paid at closing, this borrower is well positioned to reinvest and keep growing. See how much equity you can access by exploring your financing options with us.
Similar Recently Funded Case Studies: DSCR Loan in Titusville, FL • DSCR Loan in Inverness, FL • DSCR Loan in Jacksonville, FL
Key Deal Points
| Address | Gainesville, FL |
| Loan Type | DSCR Cash Out Refinance |
| Borrower Profile | Newer Investor |
| Property Type | Single Family Detached |
| Appraised Value | $315,000 |
| Loan Amount | $220,500 |
| Loan To Value (LTV) | 70% |
| DSCR | 1.027 |
| Loan Term | 30-Year |
| Loan Structure | True Zero Point Loan |
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