Recently Funded DSCR Loan In Mcalester, Oklahoma
Loan Scenario:
A returning American Heritage Lending client expanding a growing rental portfolio came to us to purchase another investment property, and our team structured a DSCR loan with a True Zero Point structure that kept closing costs to a minimum. The single-family home appraised at $145,000, and AHL funded $108,000 at 80% loan-to-value on a 30-year term. With a debt-service coverage ratio of 1.332, the projected rents covered the debt comfortably, qualifying the borrower on the property’s own performance rather than personal income.
McAlester sits in southeastern Oklahoma at the crossroads of major highways, a stable small city whose affordability and consistent renter base make it a favorite for buy-and-hold investors seeking strong yield relative to entry price. For an investor who already owns a primary residence and several rentals, adding a well-priced cash-flowing property here is a natural next step. The zero-point structure meant more of the borrower’s capital stayed available for the next acquisition.
Whether you are buying your first rental or your tenth, AHL offers streamlined financing for investors across Oklahoma.
Similar Recently Funded Case Studies: DSCR Loan in Oswego, NY • DSCR Loan in Indiantown, FL • DSCR Loan in Warner Robins, GA
Key Deal Points
| Address | Mcalester, OK |
| Loan Type | DSCR Purchase |
| Borrower Profile | Newer Investor |
| Property Type | Single Family Detached |
| Appraised Value | $145,000 |
| Loan Amount | $108,000 |
| Loan To Value (LTV) | 80% |
| DSCR | 1.332 |
| Loan Term | 30-Year |
| Loan Structure | True Zero Point Loan |
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