Loan Scenario:

An experienced real estate investor came to American Heritage Lending to unlock trapped equity in a single-family rental without disturbing the long-term cash flow the property already produced. Using our Invest Star DSCR loan program, we structured a cash-out refinance against an appraised value of $480,000, delivering $353,000 in proceeds at a conservative 74% loan-to-value. Because the home’s rental income covered the new payment with a debt-service coverage ratio of 1.00, the borrower qualified on the strength of the asset rather than personal income and closed in the name of their investment entity. A 40-year interest-only term paired with a true zero-point structure kept the monthly obligation lean and preserved capital for the next acquisition.

Darlington sits in the heart of South Carolina‘s Pee Dee region, a market where steady population and affordable entry prices continue to reward buy-and-hold investors with durable rental demand. For an owner already holding multiple doors in the area, pulling equity here means fresh dry powder to keep growing a portfolio in one of the Southeast’s more landlord-friendly states. Investors ready to put their own equity back to work can start the process with AHL’s fast, asset-based financing.

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