American Heritage Lending

DSCR Loans Approved Quickly

Maximize Your Real Estate Returns. Loan Amount from $100k – $2M

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PROPERTY TYPES: Single family, condos, townhomes, multi-family 2-4 units.

LOAN AMOUNT: $100,000 – $2,000,000

TERM: 30-Year Fixed-Rate Rental Loans with interest only options. Get up to 80% loan-to-value with a DSCR loan.

LOANS AVAILABLE: Loans are available to individuals with or without stated income, trusts, corporations, and limited partnerships.

We are unable to provide financing for amounts below $100,000 or for individuals with a credit score below 660.

Accelerate Your Portfolio's Growth: Harness the Benefits of DSCR Loans

Asset Based

Secure loans are available to borrowers with imperfect credit scores, as they are based on the property's value rather than personal credit history

Flexible Financing

Most lenders avoid distressed properties, we approve any level of distress and fund your fix-and-flip or fix-and-rent investment property.


Lower down payment and interest rates mean more equity, and more cash flow for you. Choose from our competitive rates and leverage options to find the right loan.

Lending Services

We are a team of mortgage professionals committed to assisting you in making informed financial decisions that suit your individual needs.

How Are We Different From Others?

Get A Pre-Approval Letter Today​

No Hidden Fees, No Obligation

No Income Documentation

Property-based income assessment

Minimum Credit Score 660+

* For Non Owner Occupied Homes Only

Expert Guidance & Quick Approvals

Our team of financial experts is committed to guiding you through every step of the loan process. We’re here to answer your questions, address concerns, and provide the support you need.

Time is of the essence in the business world. Our streamlined application process ensures quick approval, so you can capitalize on opportunities without unnecessary delays.


American Heritage Lending - Premier Lender to Real Estate Investors

Funding in As little as 7 days

No Hidden


20+ Years


Based on 154 reviews
Nathan Chick
Nathan Chick
I did a fix and flip loan with them and closed in 11 business days, incredible. Did a fantastic job, Thanks for everything Marquis!
heath russell
heath russell
Working with Jessica was a wonderful experience. The loan went through very smoothly and I would recommend American Heritage Lending for anyone looking for real estate lending.
Merv Bannister
Merv Bannister
We transferred two difficult, DSCR loans to AHL from another lender. Working closely with the AE, Mike Moss, inside account managers and the underwriter, were able to close both loans in under 30 days. The communication and quick response during the loan process made the experience effortless. Their portal is easy to follow, and the "points stacking" places them head and shoulders above the competition.
O_m_a_r Vare_la
O_m_a_r Vare_la
I recently had the pleasure of working with American Heritage Lending for my home loan, and I couldn't be more impressed with the level of service I received. From the initial inquiry to the closing date, the communication was impeccable. Jessica Reynolds, my loan officer, was incredibly professional and responsive throughout the entire process. She ensured that there were no delays and that we met our closing date without any issues. I highly recommend American Heritage Lending for anyone seeking a smooth and efficient lending experience.
Steven Narvaez
Steven Narvaez
I want to emphasize my gratitude for the excellent experience I had working with Marquis Escobar. Right from the start, he demonstrated exceptional knowledge and assistance. Marquis consistently went above and beyond to keep things on track and successfully facilitated financing for our rental property. His clear expectations from the beginning and avoidance of unexpected surprises make him someone I'll continue to do business with and recommend wholeheartedly.
Kyle Jones
Kyle Jones
Greg is so easy to work with. Guy is top notch and the best to use for DSCR loans. Have used him multiple times. Will continue to use American Heritage because of Greg.

Submit A Form For Personalized Quote

You don’t have to wait or compare rates from multiple sources. Fill out our form, and we’ll beat your best rate quote today. It’s time to get the funds you need.


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