Recently Funded DSCR Loan In Oswego, New York
Loan Scenario:
An experienced investor came to American Heritage Lending ready to add another single-family rental to a growing portfolio, and this Oswego acquisition was a textbook fit for a DSCR loan. With two investment properties already under management, the borrower needed financing that qualified on the strength of the asset rather than personal tax returns, and the home’s rental cash flow produced a healthy 1.499 debt-service coverage ratio. We structured the purchase at 85% loan-to-value against a $145,000 appraised value, delivering $112,200 in financing on a fully amortizing 30-year term.
Perched on the shore of Lake Ontario, Oswego is a compact New York port city where a state university, a steady healthcare sector, and year-round lakefront tourism keep rental demand consistent. Modest acquisition prices paired with dependable tenant demand make markets like this appealing to buy-and-hold investors hunting for real cash flow outside the state’s pricier metros.
Because the DSCR cleared breakeven with room to spare, this borrower can hold the property confidently while keeping dry powder ready for the next deal. If you are looking to scale your rental portfolio, explore your financing options with our team.
Similar Recently Funded Case Studies: DSCR Loan in Oswego, NY • DSCR Loan in Fulton, NY • DSCR Loan in Montgomery, AL
Key Deal Points
| Address | Oswego, NY |
| Loan Type | DSCR Purchase |
| Borrower Profile | Experienced Investor |
| Property Type | Single Family Detached |
| Appraised Value | $145,000 |
| Loan Amount | $112,200 |
| Loan To Value (LTV) | 85% |
| DSCR | 1.499 |
| Loan Term | 30-Year |
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