Loan Scenario:

American Heritage Lending funded a $150,001 DSCR cash-out refinance for an experienced investor in Charlotte, North Carolina. The property appraised at $325,000, and the loan came in at a very conservative 46% loan-to-value with a strong 1.41 debt-service coverage ratio on a 30-year term.

DSCR loans qualify on the property’s rental income rather than the borrower’s personal income, so an experienced investor can keep scaling without traditional income documentation. Here the cash-out structure frees up trapped equity for the next acquisition while the property keeps producing income, and the low leverage leaves a healthy equity cushion in place for a long-term hold.

Charlotte is one of the Southeast’s premier rental markets, a fast-growing banking and logistics hub whose steady population and job gains keep tenant demand strong across its neighborhoods. That durable rent base is what makes a DSCR loan such a natural fit for buy-and-hold investors in North Carolina. Investors looking to tap equity or add a rental can start on our financing page.

Similar Recently Funded Case Studies: DSCR Loan in Garner, NC  •  DSCR Loan in Winthrop, MA  •  DSCR Loan in Melbourne, FL

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