by Keith Quinney | Mar 9, 2026 |
Recently Funded DSCR Loan In Cortland, NY Loan Scenario: This DSCR loan covers the purchase of a detached two-unit property in Cortland, New York. Specifically, the borrower acquired the property for $124,000, with an appraised value of $145,000. American Heritage...
by Keith Quinney | Nov 26, 2025 |
Recently Funded Fix & Flip Loan In Middletown, NY Loan Scenario: This project highlights a fix and flip loan for a single-family property located in Middletown, New York. The home was purchased for $310,000, paired with a renovation budget of $20,000. American...
by Keith Quinney | Sep 24, 2025 |
Recently Funded Fix & Flip Loan in Buffalo, NY Loan Scenario: This project highlights a fix and flip loan for a single-family property in Buffalo, New York. The home was purchased for $280,000, with a renovation budget of $45,700. American Heritage Lending...
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 Keith Quinney | Aug 28, 2025 |
Recently Funded Fix & Flip Loan In Maybrook, NY Loan Scenario: This project features a fix and flip loan for a single-family property in Maybrook, New York. The home was purchased for $135,331, with a renovation budget of $67,500. American Heritage Lending...
