Recently Funded DSCR Loan In Houston, Texas

Loan Scenario:

American Heritage Lending provided a $210,000 DSCR cash-out refinance on a single-family detached rental in Houston, Texas, structured as a True Zero Point Loan. The home appraised at $280,000, placing the loan at 75% loan-to-value on a 40-Year Interest-Only term. The borrower is an experienced investor who rents their own primary residence and holds two investment properties, including this subject and a four-unit.

This is a textbook DSCR file: we qualified the loan on the property’s rental income, not the borrower’s personal income. With a DSCR of 1.051 and the interest-only payment structure of the 40-Year Interest-Only term, the rent covers the debt service while keeping monthly outlay low, maximizing the cash flow the investor keeps. The cash-out gives a seasoned operator working capital to pursue the next deal without touching their existing performing assets.

Houston is the energy capital of the country and home to the Texas Medical Center, the largest medical complex in the world, plus the Port of Houston, NASA’s Johnson Space Center, and a genuinely diversified corporate base. Texas levies no state income tax, and that, combined with a comparatively affordable cost of living, keeps drawing new residents from higher-cost coastal metros. The relentless in-migration feeds a rental market with deep, durable tenant demand across every price tier. For an investor, few markets offer that scale and stability.

Low-payment structure, strong coverage, and the nation’s most dynamic energy economy behind it. A cash-out that keeps working.

Similar Recently Funded Case Studies: DSCR Loan in Pflugerville, TX  •  DSCR Loan in Killeen, TX  •  DSCR Loan in Justin, TX

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