Recently Funded DSCR Loan In Decatur, Georgia
Loan Scenario:
An experienced investor partnered with American Heritage Lending to draw equity from a single-family rental in Decatur, Georgia acquired earlier in 2026. AHL structured a True Zero Point, 30-year DSCR loan as a cash-out refinance — $195,000 at 75% loan-to-value on a $260,000 appraised value. With a 1.016 debt-service-coverage ratio, the rent covered the new payment, and the borrower converted appreciation into deployable capital without touching personal income documentation. The zero-point structure kept closing costs lean.
Decatur, just east of Atlanta in DeKalb County, is one of metro Georgia‘s most sought-after rental submarkets, prized for its walkable downtown, strong schools, and quick access to the city. That desirability keeps tenant demand high and vacancy low for well-kept rentals. Investors ready to tap equity can begin their financing in minutes.
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Key Deal Points
| Address | Decatur, GA |
| Loan Type | DSCR Cash Out Refinance |
| Borrower Profile | Experienced Investor |
| Property Type | Single Family Detached |
| Appraised Value | $260,000 |
| Loan Amount | $195,000 |
| Loan To Value (LTV) | 75% |
| DSCR | 1.016 |
| Loan Term | 30-Year |
| Loan Structure | True Zero Point Loan |
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