Recently Funded DSCR Loan In Orlando, Florida
Loan Scenario:
American Heritage Lending funded a $264,800 DSCR purchase loan on a single-family detached home in Orlando, Florida, helping a newer investor open a rental position in one of the country’s fastest-growing metros. The property appraised at $360,000, so the loan closed at 80% loan-to-value on a 30-Year term, putting measured leverage behind a straightforward acquisition. This closed as a True Zero Point Loan, so the investor kept upfront costs down at the start of the hold.
DSCR is built for exactly this kind of entry: qualification came from the property’s projected rental income rather than the borrower’s personal earnings, which keeps a first purchase clean and fast. Because of this, the investor skipped tax returns and work papers and closed on the strength of the asset. A fixed 30-year structure also suits a buy-and-hold, giving a newer operator a predictable payment while rents do the work.
Orlando’s economy runs on far more than tourism, though the theme parks remain enormous employers — Walt Disney World and Universal Orlando, whose Epic Universe park opened in 2025, anchor a workforce of tens of thousands. Beyond the parks, Lockheed Martin, AdventHealth, and Orlando Health employ across defense and health care, while the University of Central Florida ranks among the largest universities in the nation and feeds constant tenant turnover. The Lake Nona Medical City cluster adds high-wage jobs on the metro’s south side. That mix of hospitality, health care, defense, and a major university keeps rental demand deep and year-round across Orange County, and renters priced out of for-sale housing continue to fill single-family homes across the region.
Overall, this deal shows how American Heritage Lending backs investors with practical DSCR financing — measured leverage, coverage-qualified underwriting, and a clean entry into a market with durable demand. For a newer investor, it is a straightforward way to put a first door to work without the friction of conventional income documentation.
Similar Recently Funded Case Studies: DSCR Loan in Gainesville, FL • DSCR Loan in Jacksonville, FL • DSCR Loan in Titusville, FL
Key Deal Points
| Address | Orlando, FL |
| Loan Type | DSCR Purchase |
| Borrower Profile | Newer Investor |
| Property Type | Single Family Detached |
| Appraised Value | $360,000 |
| Loan Amount | $264,800 |
| Loan To Value (LTV) | 80% |
| Loan Term | 30-Year |
| Loan Structure | True Zero Point Loan |
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