{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Private Lending Insights","title":"DSCR Rental Loan Guidelines and Trends with American Heritage Lending","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/cbd5d960\"></iframe>","width":"100%","height":180,"duration":3190,"description":"Rocky Butani interviews Dave Orloff, CEO of American Heritage Lending for an in-depth discussion on DSCR (Debt Service Coverage Ratio) loans. They explore current market trends in mid-2025, interest rate volatility, updated loan guidelines, and what makes AHL’s DSCR program stand out — including high LTV options, 40-year loan terms, fee stacking, and their approach to short-term rentals and multifamily properties. Whether you're a broker, investor, or lender, this episode offers practical insights into one of the most popular loan products in private mortgage lending today.Visit American Heritage Lending's profile on PrivateLenderLink.com to learn more and to contact them: https://privatelenderlink.com/profile/amercian-heritage-lending/?utm_source=lender-link-podcastThis interview is Episode #17 of the Private Lending Insights Podcast: https://podcast.privatelenderlink.com/00:00 Intro 02:00 Market Update 04:15 Capital Markets 06:00 Rates & Pricing 07:10 Lending Trends 10:00 Loan Volume 13:00 DSCR Updates 15:50 LTV Guidelines 18:20 Credit Scores 24:00 DSCR Calc 26:30 Property Types 29:30 40 Year Term 33:40 Rate Locks 37:10 Entities 38:30 Short Term Rentals 43:30 Fee Stacking 45:50 Prepay Penalties 47:00 Location Rules 50:45 Acreage 51:35 Closing ","thumbnail_url":"https://img.transistorcdn.com/xr0UiXHNefdYVN_pu04i05Y0vju7Zbs-uZfDeHQDW14/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS83ZjVk/YjFlNDU1YzQzZjQz/NDVjZGRlODQ1Yzk5/MWUxZS5qcGc.webp","thumbnail_width":300,"thumbnail_height":300}