Recently Funded DSCR Loan In Memphis, Tennessee
Loan Scenario:
A newer investor came to American Heritage Lending seeking a cash-out refinance on a single-family rental in Memphis, and our DSCR loan qualified the deal on the property’s cash flow rather than personal income or tax returns. With the home appraised at $165,000 and rental income producing a strong 1.417 debt-service coverage ratio, AHL structured a $123,750 loan at 75% loan-to-value on a 30-year term as a true zero-point loan, freeing up equity for the borrower’s next move.
Memphis is one of the country’s most landlord-friendly rental markets, powered by its role as a global logistics hub — home to the FedEx world headquarters and superhub — alongside major medical employers like St. Jude Children’s Research Hospital and Baptist Memorial. Affordable acquisition prices and healthy rents across neighborhoods from Midtown and Cooper-Young to the suburbs help investors generate the kind of coverage this property delivered, and AHL’s financing let the borrower tap that value efficiently.
Similar Recently Funded Case Studies: DSCR Loan in Memphis, TN • DSCR Loan in Millington, TN • DSCR Loan in Nashville, TN
Key Deal Points
| Address | Memphis, TN |
| Loan Type | DSCR Cash Out Refinance |
| Borrower Profile | Newer Investor |
| Property Type | Single Family Detached |
| Appraised Value | $165,000 |
| Loan Amount | $123,750 |
| Loan To Value (LTV) | 75% |
| DSCR | 1.417 |
| Loan Term | 30-Year |
| Loan Structure | True Zero Point Loan |
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