by Keith Quinney | Dec 11, 2025 |
Recently Funded DSCR Loan In Parsippany, NJ Loan Scenario: This financing scenario involves a Debt Service Coverage Ratio (DSCR) cash-out refinance for a single-family rental property in Parsippany, New Jersey. The home appraised at $545,000, and the investor secured...
by Eric Krattenstein | Nov 6, 2025 |
Recently Funded Multifamily DSCR Loan In Jersey City, NJ Loan Scenario: American Heritage Lending funded a DSCR Rental Loan for the purchase of 6-unit multifamily in Jersey City, NJ. The sponsor—an experienced investor with four existing properties—acquired the asset...
by Eric Krattenstein | Sep 10, 2025 |
TL;DR (Executive Summary) DSCR for SFR/2–4 is simple: Underwritten Gross Rent ÷ PITIA. Hit ≥1.10×–1.25× and life gets easier. For 5–10 units, many lenders switch to NOI ÷ Annual Debt Service — we still size 5–10 the same as 1–4 (Rent ÷ PITIA), then sanity‑check the...
by Eric Krattenstein | Aug 25, 2025 |
Introduction: flipping in a split‑market year If 2024 felt like trying to flip a house while the market kept moving the furniture, 2025 feels more like someone finally turned the lights on. We can see the room again—prices, demand, and costs are no longer sprinting in...
by Eric Krattenstein | Jul 28, 2025 |
Introduction to the 2025 Real Estate Investor Market The real estate investor market in 2025 is shaping up to be a test of adaptability, strategic thinking, and persistence. Investors across the country are contending with a dynamic landscape marked by high interest...
