Recently Funded DSCR Loan In Spring, Texas
Loan Scenario:
An experienced investor who owns multiple rentals and a primary residence came to American Heritage Lending to pull equity from a detached PUD rental in Spring, Texas acquired in 2024. AHL structured a 30-year DSCR loan as a cash-out refinance — $320,569 at 71% loan-to-value against a $450,000 appraised value — with an underwriting exception granted after the appraisal flagged a softening submarket. A 1.039 debt-service-coverage ratio kept the rental income aligned with the new payment, and the borrower walked away with meaningful capital. Structuring around the market conditions let a strong deal close on schedule.
Spring, just north of Houston near The Woodlands and major corporate campuses, remains a solid Texas rental market anchored by suburban employment and family demand. Its master-planned communities support steady occupancy for well-kept single-family rentals. Investors ready to tap equity can start their financing today.
Similar Recently Funded Case Studies: DSCR Loan in Humble, TX • DSCR Loan in Denison, TX • DSCR Loan in Houston, TX
Key Deal Points
| Address | Spring, TX |
| Loan Type | DSCR Cash Out Refinance |
| Borrower Profile | Experienced Investor |
| Property Type | Detached PUD |
| Appraised Value | $450,000 |
| Loan Amount | $320,569 |
| Loan To Value (LTV) | 71% |
| DSCR | 1.039 |
| Loan Term | 30-Year |
Additional Images
