Loan Scenario:

American Heritage Lending backed a newer investor with a $168,000 DSCR cash-out refinance on a single-family detached home in Hazleton, Pennsylvania, freeing equity from a buy-and-hold rental. The property appraised at $224,000, so the loan closed at 75% loan-to-value on a 30-Year term, a measured draw that leaves equity in place. This funded as a True Zero Point Loan, keeping the cost of pulling that capital low.

The rent covers the note at a 1.426 DSCR, comfortable coverage that carries the debt while the investor redeploys cash. Qualification came from the property’s rental income rather than the borrower’s personal earnings, so a newer operator could access equity without tax returns or work papers, and a fixed 30-year structure keeps the long-term hold predictable.

Hazleton sits in Luzerne County in northeastern Pennsylvania, at the crossroads of Interstates 80 and 81 that has turned the area into a major logistics and distribution hub. The Humboldt Industrial Park hosts distribution and manufacturing operations for names such as Amazon, American Eagle Outfitters, Cargill, and Lineage Logistics, whose warehouses employ thousands and draw a steady base of workers who rent nearby. Once an anthracite coal center, the city has reinvented itself around warehousing and food processing, and a growing population — driven in part by families moving in from the New York and New Jersey metros — helps keep housing occupied. Notably, home prices sit far below those downstate markets within driving distance, pulling in renters and newcomers looking for affordability along the I-81 corridor. That combination of logistics employment and low housing costs keeps single-family 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 payment give the borrower usable equity and a clean path to keep holding a well-located rental in a hard-working market.

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