Loan Scenario:

An experienced investor who owns both a primary residence and multiple rental properties came to American Heritage Lending for a cash-out refinance on a single-family home in Memphis. Having purchased the property earlier in the year and satisfied every seasoning requirement, the borrower was ready to pull equity back out — and with a debt-service coverage ratio of 1.510 against a $155,000 appraised value, the home clearly earned its keep.

Financing 73% of value through our DSCR loan program meant the borrower never had to surface tax returns or pay stubs; the rental income did the talking. That streamlined path is exactly why active investors lean on debt-service coverage financing when they want to recycle capital into their next acquisition.

Memphis remains one of the most compelling cash-flow markets in Tennessee, anchored by a logistics economy that runs on the FedEx global hub, the Port of Memphis, and a dense network of distribution and healthcare employers. Affordable entry prices paired with sturdy rents make it a perennial favorite for investors chasing yield.

With cash now back in hand, this borrower is well positioned to keep scaling a growing portfolio. If you have built up equity in a rental and want to put it to work, our team can walk you through the financing that fits your goals.

Similar Recently Funded Case Studies: DSCR Loan in Memphis, TN  •  DSCR Loan in Nashville, TN  •  DSCR Loan in Oak Ridge, TN

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