Recently Funded DSCR Loan In Pittsburgh, PA

Loan Scenario:

This financing scenario involves a Debt Service Coverage Ratio (DSCR) rental loan for a detached single-family home in Pittsburgh, Pennsylvania. The property appraised at $232,000, and the investor secured a 30-year fixed-rate DSCR loan for $179,920, resulting in a Loan-to-Value (LTV) of 77.55%. With a DSCR of 1.739, the rental income comfortably covers the debt service, meeting program guidelines with room to spare.

This loan was used to finance the purchase of the property, and the investor—who had no prior experience—was able to qualify based solely on the property’s cash flow, without relying on employment or income documentation. The strong DSCR and conservative structure gave them the flexibility to close quickly and begin building their portfolio with confidence.

Pittsburgh continues to offer opportunity for rental investors, especially in neighborhoods where price points remain accessible and tenant demand is steady. The city’s diverse economy and relatively low cost of living make it a consistent performer for landlords focused on cash flow.

This scenario is another example of how American Heritage Lending supports new investors entering the market with rental-based financing that keeps things simple, scalable, and focused on property performance.