Recently Funded DSCR Loan In Wentzville, Missouri

Loan Scenario:

For an experienced investor expanding a rental portfolio, American Heritage Lending funded a $174,250 DSCR purchase loan on a single-family detached home in Wentzville, Missouri. The property appraised at $206,000, and at 85% loan-to-value on a 30-Year term, the financing let the borrower acquire the asset with a modest down payment while the home’s projected rents carried the debt — reflected in a 1.150 DSCR.

Because this is a DSCR loan, qualification rested on the property’s rental income rather than the borrower’s personal tax returns, a structure well suited to an investor who already holds rental real estate and wants to add units efficiently. A 1.150 debt-service-coverage ratio signals that rents comfortably exceed the loan’s carrying costs, and the purchase strategy adds a cash-flowing door to an established portfolio on a long, fixed 30-Year horizon.

Wentzville is one of the fastest-growing cities in Missouri, anchoring the western edge of the St. Louis metro in booming St. Charles County. The city is home to General Motors’ Wentzville Assembly plant, one of the region’s largest employers, and its steady manufacturing base is complemented by rapid residential and retail expansion. Families are drawn by well-regarded schools, newer housing stock, and relative affordability compared with the metro core, which keeps demand for single-family rentals strong. Its position along the Interstate 70 corridor gives residents an easy commute into greater St. Louis while enjoying a quieter, growth-oriented suburb.

With rents covering the note and a fast-growing suburban market behind it, this purchase gives a seasoned investor a well-positioned addition to a performing portfolio.

Similar Recently Funded Case Studies: DSCR Loan in Cincinnati, OH  •  DSCR Loan in Winston-Salem, NC  •  DSCR Loan in Lawrenceville, GA

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