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Real estate financing
Common questions
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan is a real estate investment loan underwritten on the property's projected rental income rather than the borrower's personal income. The DSCR is calculated as gross rent divided by total debt service (PITI). Most lenders require a DSCR of 1.0 to 1.25 minimum. DSCR loans are popular among real estate investors holding properties in LLCs.
What's the difference between a bridge loan and a fix-and-flip loan?
Bridge loans are short-term (typically 6–24 months) facilities used to acquire or refinance a property while a longer-term solution is arranged. Fix-and-flip loans are bridge-style loans specifically designed for value-add projects, often combining purchase plus rehab funds into a single facility with draw schedules tied to construction milestones.
Can I finance new construction through Magnara?
Yes. New-construction financing is available for ground-up residential, commercial, and multifamily projects. Loans are typically structured with land plus vertical-build draws, interest-only during construction, and conversion to permanent financing at certificate of occupancy.
What loan-to-value (LTV) ratios are typical?
Typical maximums by product: DSCR rental 75–80% LTV; Fix & Flip 85–90% of purchase plus 100% of rehab (subject to ARV cap of 70–75%); Bridge 65–75% LTV; Construction 70–85% loan-to-cost. Final ratios depend on credit, experience, market, and asset type.
Can I do a cash-out refinance?
Yes. Cash-out refinancing is available against stabilized rental properties (DSCR product) and against equity in held real estate. LTV maximums are typically 70–75% for cash-out scenarios. Six-month seasoning is common but flexible based on documented improvements.