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