by Keith Quinney | Jun 4, 2026 |
Recently Funded DSCR Loan In Jersey City, New Jersey Loan Scenario: This DSCR purchase loan covers a two-unit detached property in Jersey City, New Jersey. Specifically, the borrower paid $590,000 for the home, which appraised at $615,000. American Heritage Lending...
by Keith Quinney | Apr 22, 2026 |
Recently Funded DSCR Loan In Ogdensburg, New Jersey Loan Scenario: This financing scenario involves a DSCR Cash-Out Refinance loan in Ogdensburg, New Jersey. First, the home appraised at $434,000. Then, American Heritage Lending funded a $325,500 loan. So, the deal...
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...
