Loan Scenario:

American Heritage Lending funded a $144,000 DSCR purchase loan on a single-family detached home in Houston, Texas, helping an investor add a buy-and-hold rental in the nation’s fourth-largest city. The property appraised at $190,000, so the loan closed at 80% loan-to-value on a 30-Year term, and it closed as a True Zero Point Loan with no points paid at the table. DSCR is built for exactly this move: qualification came from the property’s projected rental income rather than the borrower’s personal earnings, which keeps the acquisition clean and fast. The rent supports the note at a 1.099 DSCR, enough to carry the debt while the investor executes a long-term hold. Skipping tax returns and work papers lets the borrower move at the pace of the market.

Houston’s economy is one of the most diversified in the country. It remains the nation’s energy capital, home to ExxonMobil, Chevron, and Phillips 66, while the Texas Medical Center, the largest medical complex in the world, employs well over 100,000 people across its member hospitals and institutions. The Port of Houston and a sprawling petrochemical base along the ship channel round out the job engine, and NASA’s Johnson Space Center anchors an aerospace cluster on the south side. Texas charges no state income tax, and the metro has been among the country’s fastest-growing by population for years. That steady in-migration keeps a deep, constantly refreshed pool of renters across the region. Notably, single-family homes at this price point remain within reach for working households, which supports both resale and rental demand across the city’s many neighborhoods.

Overall, this deal shows how American Heritage Lending backs investors with practical DSCR financing. Measured leverage, income-qualified underwriting, zero points, and a fixed 30-year payment give the borrower a clean path to hold a well-located rental in one of the country’s largest and most resilient economies.

Similar Recently Funded Case Studies: DSCR Loan in Saginaw, TX  •  DSCR Loan in Kokomo, IN  •  DSCR Loan in Oswego, NY

Additional Images