DSCR Loans
Approved Quickly

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

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.

Get Personalized Quote

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

Asset Based Lending

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 Options

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

Competitive Rates

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.

Trustworthy Lending Services

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

OUR RATES AND TERMS

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

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.

How Are We Different From Others?

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Get A Pre-Approval Letter Today​

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No Hidden Fees, No Obligation

3

No Income Documentation

4

Property-Based Income Assessment

5

Minimum Credit Score 660+

American Heritage Lending

Premier Lender to Real Estate Investors

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Funding in As little as 7 days

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No Hidden Fees

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Asset-based lending

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20+ Years Experience

What our Clients Says

Excellent
Based on 165 reviews
Yu Sheon
Yu Sheon
2024-06-14
Michael Moss is the best rep I have ever worked with. He monitored the file and assisted promptly when needed. He concerned about our needs. The whole team is just wonderful! The account manager Patricia Alvarez did everything she could to make sure the closing is on time. I really enjoyed working with American Heritage Lending. I would definately recommend AHL to everyone.
malinda medina
malinda medina
2024-05-23
From submission working with Diomaris Collado to working with our account rep Michael Moss and our account Manager Patricia Alvarez, we got the loan in and closed. I would like to thank the team for assisting us with the first loan submission. I highly recommend this team and the Company. Thank You!
Shaheen Pervaiz
Shaheen Pervaiz
2024-05-02
The best lender that you can think of working with. Scott Feyche and Anh Le were amazing in responding and resolving any issues related to the loan. My client is very happy and very grateful. I highly recommend American Heritage Lending and there great loan products.
Eric Bowers
Eric Bowers
2024-04-26
I really love working with Anthony Calabrese over at American Heritage. We've done a few loans together and he is a great communicator. He is excellent at relationship management, too. Not a week goes by that I don't hear from him at least once or twice proactively on his end. Definitely looking forward to my next deal with Anthony and American Heritage!
Allan Macdonald
Allan Macdonald
2024-04-22
Jessica Reynolds was amazing to work with, her communication was outstanding, handled small issue that came up very fast, and never dropped the ball! Ive been a Realtor full time for 24 years, have had many lenders come and go, they can make or break a deal, she is one that will make it happen!! Thanks so much
Scott Yonce
Scott Yonce
2024-04-22
I started using AHL after my Account Rep, Anthony Calabrese, introduced me to their services. AHL has been my goto, non-QM lender, ever since. I pick and choose which lenders I do business with based on customer service first; and both Anthony and AHL have continued to get the job done. Even if a lender is great, it never works unless you have an Account Rep you can trust. When Anthony says we can do a deal, I know we can do a deal. It's just that simple and that is why I continue to send them more business each month.
Simon Quinones
Simon Quinones
2024-04-17
Great company I was very impressed by their work and their vision on their projects. They make a home turn into a. family dream home. I highly recommend them! Thanks Guido

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2024 © Copyright American Heritage Lending, LLC. Submission Disclaimer By clicking Submit, (1) you expressly consent to having American Heritage Lending contact you about your inquiry by phone (including usage of an automatic telephone dialing system), whether by a voice call, ringless voicemail, or by text messaging, to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any service from American Heritage Lending. I understand I can withdraw my consent at any time; and (2) you represent that you are not a resident of the State of New York. If you are a resident of the State of New York, please contact American Heritage directly via email at compaints@ahlend.com or by telephone at +1 (888) 501-9033 AMERICAN HERITAGE LENDING, LLC STATE LICENSING INFORMATION – NMLS ID: 93735 Click here for access to the Consumer NMLS FHA Lender ID 27897-0000-1⋅ VA Lender ID 902138-00-00 State licenses: Alabama Consumer Credit License 23291; Arizona Mortgage Banker License 0912684; Arkansas Combination Mortgage Banker-Broker-Servicer License 130360; California – Department of Financial Protection and Innovation, Pursuant to California Financing Law License Number 603G668; California – DRE Real Estate Corporation License Endorsement 01844643; Colorado Mortgage Company Registration 93735; Connecticut Mortgage Lender License ML-93735; Florida Mortgage Lender License MLD94; Georgia Mortgage Lender License 93735; Idaho Mortgage Broker/Lender License MBL-2080093735; Illinois Residential Mortgage License MB.6761561; Indiana-DFI Mortgage Lending License 58918; Iowa Mortgage Banker License 2018-0155; Kansas Mortgage Company License MC.0025684; Kentucky Mortgage Company License MC741639; Maine Supervised Lender License 93735; Maryland Mortgage Lender License 93735; Massachusetts Mortgage Lender License ML93735; Michigan 1st Mortgage Broker/Lender License FL0023340; Minnesota Residential Mortgage Originator License MN-MO-93735; Minnesota Residential Mortgage Originator License MN-MO-93735; Montana Mortgage Lender License 93735; Nebraska Mortgage Banker License 93735; New Hampshire Mortgage Banker License 23855-MB; New Jersey Residential Mortgage Lender License; New Mexico Mortgage Loan Company License; North Carolina Mortgage Lender License L-204931; Ohio Residential Mortgage Lending Act Certificate of Registration RM.804862.000; Oklahoma Mortgage Lender License ML015518; Oregon Mortgage Lending License ML-4808; Pennsylvania Mortgage Lender License 81773; South Carolina-BFI Mortgage Lender / Servicer License MLS-93735; Tennessee Mortgage License 93735; Texas – SML Mortgage Banker Registration; Washington Consumer Loan Company License CL-93735; West Virginia Mortgage Lender License ML-93735; Wisconsin Mortgage Banker License 93735BA; Wyoming Mortgage Lender/Broker License 4894 American Heritage Lending, LLC, is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract).

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