Recently Funded DSCR Loan In Linwood, PA

Loan Scenario:

This financing scenario involves a Debt Service Coverage Ratio (DSCR) rental loan for an attached property located in Linwood, Pennsylvania. The investor secured a 30-year fixed-rate loan for $104,800, with the property appraised at $136,000—resulting in a Loan-to-Value (LTV) of 77.06%. With a DSCR of 1.064, the property’s rental income exceeds the monthly debt obligation, meeting the minimum program requirements.

This deal was structured to support the purchase of the property. The investor, new to real estate investing, qualified based solely on the projected rental performance of the asset—without the need to provide income statements, W-2s, or tax returns. This financing structure allowed for a faster, more streamlined closing process and gave the investor a path into the rental market.

Linwood, PA sits just outside Philadelphia and offers strong rental demand at approachable price points. These smaller suburban markets continue to attract investors seeking cash flow opportunities in areas where acquisition costs are still manageable and tenant demand remains steady.

This transaction is another example of how American Heritage Lending helps first-time investors get started with rental property ownership—leveraging the power of DSCR loans to unlock financing based on the property, not the paperwork.