A) DSCR stands for “Debt Service Coverage Ratio”. This is the key measure of an investment properties ability to repay the mortgage expenses, and is one of the key components in qualifying a long-term commercial/investment property mortgage. Many lenders will want to see a range of 1.0 - 1.35+ DSCR (1.20 being most common). What this is is for every $1.00 in expenses, they want to see $1.00 - $1.35 in gross rental income.

Example: You have a mortgage payment of $2,000 /mo, a 1.0 DSCR calculation would mean the property receives gross rental income of $2,000 /mo. A 1.35 DSCR would mean the property receives gross rents of $2,700 /mo

Usually, No expenses besides taxes, insurance or HOA dues are considered in calculating the DSCR with most lenders.

A) On Real Estate transactions (secured) our lenders fund from $67,500 to $50,000,000+ depending on loan type and location.

On business funding, our partner's funding amount ranges from $50,000 to $500,000.

A) Yes! (Depending on the property type and loan type) We love working with first time investors as we enjoy educating you on all the financing options available in the market, and also walking through profitability on your projects.

That said, New Construction projects due almost always require at least one completed project within the past 24 months, or a partner may be required.

Also, some commercial properties may also require some prior experience, but it will always be a case-by-case basis.

• A) Yes, we do not finance gentlemen’s clubs (or any vice type properties). We otherwise have financing options for most property types, depending on the size and location of the property. Certain property types may be more difficult to offering funding options for in certain markets vs others.

A) Yes! There are a number of options. If the property is rent-ready, but simply going through a vacancy, there are financing options that will refer to ‘market rents’ for that area to determine the estimated rental income to qualify for financing. This market rent analysis is obtained through an appraisal, including what's called a 1007 Rent Schedule (provided by the appraiser).

A) Yes! We have helped many Foreign National investors with real estate transactions in the United States. Options and leverage may vary depending on your situation, please contact us to discuss at info@macofinancial.com or call 414-600-0123.

A) Not usually, no! Most lenders we work with are asset-based lenders who don't require Tax Returns, paystubs, W-2s etc. It will be based on the properties rental income to service the mortgage, this means an easier, streamlined process with faster turn times due to less complicated document.

Exceptions to this would be SBA financing for businesses seeking to buy a property where they will occupy 51% of the SF for their own business.

A) Sometimes, but only on new construction transactions where the vertical costs are also being financed. Typically, lenders will finance 50-65% of the cost of the land acquisition and up to 100% of the construction costs.

We cannot offer financing options for raw land purchase without a construction component to the loan.