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-podcast

This 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