Loan Scenario:

A cash-out refinance on a dependable rental gives an investor room to move on the next opportunity, and this Kansas City, Missouri deal did exactly that. The borrower, an experienced investor, held a single-family rental appraised at $113,000 and wanted to tap its equity while keeping the property on stable, long-term financing. The property’s steady performance made it a natural candidate for the strategy.

American Heritage Lending funded a 30-year DSCR loan of $79,100 at a conservative 70% loan-to-value, underwritten to the property’s own income at a solid 1.285 debt-service coverage ratio. That combination of moderate leverage and healthy coverage allowed the borrower to pull equity while leaving the rental well positioned to carry its debt comfortably.

Kansas City straddles the Missouri-Kansas line and has become one of the Midwest’s most investor-friendly markets, with affordable pricing, a diversified job base, and consistent rental demand across its many established neighborhoods. Single-family rentals here tend to deliver the kind of durable cash flow that makes equity-tapping strategies work. AHL lends throughout Missouri for investors focused on long-term rental performance. A cash-out or purchase can be explored anytime through our financing team.

Similar Recently Funded Case Studies: DSCR Loan in Ridgecrest, CA  •  DSCR Loan in Inkster, MI  •  DSCR Loan in Houston, TX

Additional Images