Loan Scenario:

An investor in Denison came to us wanting to unlock the equity in a single-family rental they had owned free and clear since acquiring it in December of 2024. With the property held lien-free, a DSCR loan was the cleanest way to pull capital back out without touching personal income documentation. American Heritage Lending closed a cash-out refinance of $221,250 against a $295,000 appraised value — 75% loan-to-value — on a 30-year term with a True Zero Point structure. Because the loan qualified on the property’s own cash flow at a 1.067 debt-service coverage ratio, the borrower kept the process simple and walked away with liquidity to redeploy into their next acquisition.

Denison anchors the northern edge of the Texoma region along the Red River, roughly an hour north of the Dallas–Fort Worth metroplex. Steady in-migration and relative affordability compared with the core metro have kept rental demand firm, and single-family homes at this valuation continue to attract dependable long-term tenants. For a buy-and-hold investor, that stability is what turns trapped equity into working capital.

Own a rental with equity sitting idle? A cash-out financing option could put it back to work — Texas investors close with us every week.

Similar Recently Funded Case Studies: DSCR Loan in Houston, TX  •  DSCR Loan in Denison, TX  •  DSCR Loan in Killeen, TX

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