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.

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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.


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


Single family, condos, townhomes, multi-family 2-4 units.


$100,000 – $2,000,000


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


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

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+

American Heritage Lending

Premier Lender to Real Estate Investors


Funding in As little as 7 days

0 +

No Hidden Fees

0 M+

Asset-based lending


20+ Years Experience

What our Clients Says

Based on 165 reviews
Yu Sheon
Yu Sheon
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
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
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
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
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
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
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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