Recently Funded DSCR Loan In Winthrop, Massachusetts
Loan Scenario:
An experienced investor who owns a high-value single-family home in Winthrop refinanced the property through an American Heritage Lending DSCR loan, pulling equity via a cash-out structure on an asset held since 2019. With the home appraised at $1,300,000, AHL advanced $910,000 at 70% loan-to-value on a 30-year term, and the file closed at a debt-service-coverage ratio of 1.005 — a case where AHL structured the leverage carefully around a coverage figure right at the break-even line. The result let the borrower access substantial capital from a premium coastal asset without conventional income verification.
Winthrop is a tightly held peninsula community just across Boston Harbor from downtown, prized for its waterfront setting, quick access to Logan Airport and the city core, and an extremely limited supply of single-family inventory that keeps values and rents elevated. High-end homes in this market command premium rents from professionals who want proximity to Boston without the density, which supported the appraised value underpinning this refinance. For investors holding premium Massachusetts real estate, this deal shows how AHL unlocks large equity positions thoughtfully, and the financing starts with a prequalification.
Similar Recently Funded Case Studies: DSCR Loan in Maryville, TN • DSCR Loan in Johnstown, PA • DSCR Loan in Jackson, MS
Key Deal Points
| Address | Winthrop, MA |
| Loan Type | DSCR Cash Out Refinance |
| Borrower Profile | Experienced Investor |
| Property Type | Single Family Detached |
| Appraised Value | $1,300,000 |
| Loan Amount | $910,000 |
| Loan To Value (LTV) | 70% |
| DSCR | 1.005 |
| Loan Term | 30-Year |
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