Loan Scenario:

An experienced investor came to American Heritage Lending to acquire a four-unit property in Opa Locka, and the numbers told a clean story from the start. With an appraised value of $725,000 and a request to finance 75% of that figure, the deal centered on the property’s ability to carry itself — and it did comfortably, posting a debt-service coverage ratio of 1.497 that gave underwriting plenty of cushion to work with.

Because this was a purchase rather than a refinance, the borrower was renting pending verification of rent while already owning an investment property within twenty-five miles of their primary residence — exactly the kind of hands-on track record our DSCR loan program is built to reward. Qualifying on the cash flow of the asset itself, rather than on personal income documentation, let the borrower move quickly on a multifamily building that will generate income from day one.

Opa Locka sits in the heart of Miami-Dade County, a submarket where persistent demand for workforce housing keeps well-run small multifamily buildings occupied and rents steady. For an investor building a portfolio in South Florida, a stabilized four-unit in this corridor is the kind of durable, cash-flowing asset that anchors long-term growth.

Structured as a 30-year term, the loan gives the borrower a long runway to hold and operate the property while the neighborhood continues to mature. If you own or are eyeing a rental property that pays its own way, our team can help you explore financing tailored to the deal.

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