Recently Funded DSCR Loan In Belton, Texas
Loan Scenario:
An experienced investor used an American Heritage Lending one-time-close structure in Belton to renovate a single-family property and convert it into a long-term rental, landing in a DSCR loan on a 40-year interest-only term via a rate-and-term refinance. With a scope that included a full roof replacement, the home appraised at $335,000, and AHL advanced $223,450 at a conservative 67% loan-to-value. The deal closed at a debt-service-coverage ratio of 0.928, and the interest-only structure was chosen specifically to maximize monthly cash flow as the property stabilizes into its rental phase.
Belton anchors the fast-growing Killeen-Temple corridor of Central Texas, where the combined pull of Fort Cavazos, a regional healthcare hub, and the University of Mary Hardin-Baylor supports a steady, diverse pool of renters. Single-family rentals in this stretch of I-35 benefit from both affordability and consistent demand, giving converted properties a solid tenant base. For investors bridging renovation and long-term hold in a single transaction across Texas, this one-time-close execution is a powerful tool, and the financing begins with a prequalification.
Similar Recently Funded Case Studies: DSCR Loan in San Angelo, TX • DSCR Loan in Killeen, TX • DSCR Loan in Anna, TX
Key Deal Points
| Address | Belton, TX |
| Loan Type | DSCR Rate & Term Refinance |
| Borrower Profile | Experienced Investor |
| Property Type | Single Family Detached |
| Appraised Value | $335,000 |
| Loan Amount | $223,450 |
| Loan To Value (LTV) | 67% |
| DSCR | 0.928 |
| Loan Term | 40-Year Interest-Only |
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