American Heritage Lending dscr wholesale program for brokers: channel-typical FICO, LTV, loan size and doc types, every field source-linked and dated.
American Heritage Lending (Irvine, CA) advertises DSCR lending to mortgage brokers, ranked #18 by reported wholesale volume. Last checked 2026-07-26.
Loan parameters shown in search are category-level structural guidance describing how this product type is commonly written in the wholesale channel. They are not the lender's published guidelines and are not a pre-approval. Every result links to the lender's own public broker materials with the date we last checked it — confirm current terms with the lender before quoting.
American Heritage Lending is headquartered in Irvine, CA and publishes a publishes a national broker footprint broker footprint. Its public broker materials referenced dscr lending when we last checked them on 2026-07-26, alongside 6 other advertised product types in this directory. American Heritage Lending also has $1.04B in wholesale production reported for 2024, placing it #18 in the ranking we reference.
Qualification from the subject property's rent-to-payment ratio instead of borrower income, typically allowing LLC vesting and prepay buydown options. In the wholesale channel this product type is commonly written from a 620 minimum FICO up to 80% LTV, on loan amounts between $75K and $3M. Accepted documentation typically includes dscr / cash flow, no ratio, with investment property occupancy and single family, warrantable condo, 2-4 unit, 5+ unit / multifamily property types in scope. Those parameters describe the channel, not American Heritage Lending's own matrix — pull the current guideline from the lender before you quote.
American Heritage Lending's own positioning notes are: Business-purpose investor lending. Those are lender-published claims, checked 2026-07-26. What matters on a dscr submission is the current rate sheet, the overlay set, and the AE assigned to your shop — all three come from American Heritage Lending directly, and none of them are published here.
Yes. American Heritage Lending's public broker materials referenced dscr lending when we last checked on 2026-07-26. Broker approval and program eligibility are decided by American Heritage Lending, not by this directory — start at its american heritage lending official website and confirm current requirements.
American Heritage Lending does not publish its dscr matrix on a public page, so this profile shows the channel-typical structure instead: a 620 minimum score and leverage up to 80% LTV. Treat that as a starting point and verify the live guideline with your account executive.
In the wholesale channel this product is generally written between $75K and $3M, using dscr / cash flow, no ratio documentation on investment property occupancy. American Heritage Lending may sit tighter or looser than that range on any single field.
Scotsman Guide Top Wholesale Lenders reported $1.04B for 2024 and placed American Heritage Lending at #18. That figure is published by Scotsman Guide; LoanOfficer.ai reproduces it with attribution and does not calculate it.
American Heritage Lending lender profile · All DSCR wholesale lenders · Program search · Wholesale lender rankings