Recently Funded DSCR Loan In Toledo, Ohio

Loan Scenario:

This DSCR rental loan covers a two-unit property purchase in Toledo, Ohio. The experienced investor acquired the property for $132,000, and it appraised at $135,000. Also, American Heritage Lending provided $105,600 in financing, structured as a True Zero Point Loan. As a result, the loan carries a Loan-to-Value ratio of 78.22% against the appraised value. Then, the DSCR came in at 1.552, showing strong cash flow on the asset. The loan also features a 30-year fixed-rate term with no discount points at closing.

Because DSCR approval relies on property income rather than tax returns or work history, the borrower faced fewer hurdles. So, this approach lets experienced investors grow their holdings without the limits of a standard loan review. Also, the fixed-rate term gives the borrower stable payments over the life of the loan.

Toledo continues to draw investor interest as a top-ranked housing market in 2026. Tight supply and strong demand also keep the city on buyers’ radar. In addition, low price points attract attention from higher-cost metros. As a result, multi-unit assets in this market benefit from steady tenant demand.

Overall, this deal shows how American Heritage Lending supports experienced investors through DSCR-based financing. The True Zero Point Loan also removes upfront discount points. As a result, the borrower gains long-term, fixed-rate financing while keeping cash on hand for future deals.