Loan Scenario:

A seasoned investor managing a portfolio of ten rental properties came to American Heritage Lending to acquire an eight-unit multifamily building in Roanoke, carrying a track record built on multiple two-to-four-unit holdings and a strong credit profile. Because the borrower was purchasing for long-term rental income rather than a personal residence, a DSCR loan was the natural fit, qualifying the deal on the property’s own cash flow instead of personal income documentation. The appraisal supported a value of $710,000, and AHL structured a $532,500 loan at 75% loan-to-value on a 30-year term, with a debt-service-coverage ratio of 1.414 confirming the rents comfortably outpaced the new debt.

Roanoke sits in Virginia’s Blue Ridge foothills and has grown into one of the most dependable small-market rental economies in the state, anchored by a large regional healthcare system, Virginia Tech’s nearby presence, and a steady stream of residents drawn by its affordability and outdoor amenities. Small multifamily properties here tend to hold strong occupancy, which made the 1.414 coverage ratio on this acquisition especially attractive. For investors looking to scale a cash-flowing footprint across Virginia, this deal is a clean example of how AHL turns a solid rent roll into closing-ready financing.

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