Loan Scenario:

American Heritage Lending funded a $92,000 DSCR purchase loan on a single-family detached home in Fayetteville, North Carolina, helping an investor add a buy-and-hold rental in one of the Southeast’s most dependable military markets. The property appraised at $125,000, so the loan closed at 80% loan-to-value on a 30-Year term, keeping leverage sensible on a straightforward acquisition. DSCR is built for exactly this move: qualification came from the property’s projected rental income rather than the borrower’s personal earnings, which keeps the file clean and the closing fast. The rent covers the note at a 1.231 DSCR, comfortable coverage that carries the debt while the investor holds for the long term. Because the structure skips tax returns and work papers, an experienced investor can act quickly when the right property comes up.

Fayetteville anchors Cumberland County and lives and breathes Fort Bragg, one of the largest military installations in the world and home to the 82nd Airborne Division and Army Special Operations Command. That base cycles tens of thousands of soldiers, families, and civilian contractors through the area on a near-constant rotation, creating steady rental turnover and dependable occupancy for single-family homes. Cape Fear Valley Health layers a large hospital workforce on top of the military payroll, and Fayetteville State University adds a further base of tenants. Many soldiers draw a Basic Allowance for Housing that reliably covers area rents, which supports occupancy and on-time payment for landlords. Notably, housing costs sit well below Raleigh’s, roughly 90 minutes north, which keeps Fayetteville attractive to renters and buyers who want value without leaving the region. That mix of a massive military anchor and everyday affordability keeps well-located rentals in steady demand.

Overall, this deal shows how American Heritage Lending backs investors with practical DSCR financing. Measured leverage, income-qualified underwriting, and a fixed 30-year payment give the borrower a clean path to hold a well-located rental in a market that stands on its own.

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