Loan Scenario:

An experienced investor who meets AHL’s experience requirements pulled equity from a four-unit property in Garner through an American Heritage Lending DSCR loan structured as a cash-out refinance. With the building appraised at $440,000, AHL advanced $330,000 at 75% loan-to-value on a 30-year term, and a robust debt-service-coverage ratio of 1.632 confirmed the combined rents from all four units more than carried the new debt. The cash-out proceeds give the investor dry powder to pursue the next opportunity while keeping a performing asset in the portfolio.

Garner is a fast-growing suburb just south of Raleigh, firmly inside the Research Triangle’s economic orbit, where a deep base of technology, life-sciences, and government employment has fueled some of the strongest sustained rental demand in the Southeast. Four-unit properties in this submarket are prized for pairing small-multifamily efficiency with Triangle-level tenant demand, which is exactly what produced the standout coverage on this file. For investors building income across North Carolina, this refinance is a strong example of turning equity into momentum, and the financing begins with a simple prequalification.

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