Recently Funded DSCR Loan In Mountain Home, Idaho
Loan Scenario:
An experienced investor with a five-property portfolio came to American Heritage Lending to refinance a single-family rental in Mountain Home, Idaho, and improve the long-term footing on the asset. Because the borrower wanted the loan underwritten to the home’s rental performance, we structured it as a DSCR loan rate-and-term refinance.
The single-family detached property appraised at $283,000, and we closed a $208,630 refinance at 74% loan-to-value on a 30-year term. With a debt-service coverage ratio of 1.285, the rental income covered the new payment with a healthy cushion, reflecting a well-positioned, income-producing hold.
Mountain Home benefits from a stable rental base anchored by nearby Mountain Home Air Force Base, along with steady spillover demand from the broader Boise metro as buyers and renters look outside the region’s pricier core. That dependable tenant pool makes single-family rentals in Idaho an attractive long-term play for investors seeking consistency.
By underwriting to cash flow and moving the file through efficiently, our team helped this repeat borrower lock in a durable position on a performing asset. If you are weighing a refinance on your own rental, financing begins with a quick prequalification.
Similar Recently Funded Case Studies: DSCR Loan in Citrus Heights, CA • DSCR Loan in Killeen, TX • DSCR Loan in Fort Pierce, FL
Key Deal Points
| Address | Mountain Home, ID |
| Loan Type | DSCR Rate & Term Refinance |
| Borrower Profile | Experienced Investor |
| Property Type | Single Family Detached |
| Appraised Value | $283,000 |
| Loan Amount | $208,630 |
| Loan To Value (LTV) | 74% |
| DSCR | 1.285 |
| Loan Term | 30-Year |
Additional Images
