North American Savings Bank (MO) First Western Federal Savings (SD) and Titan Bank (TX) are main players.Expect: 30-40% down payments10-15% reserve requirements1.10 Debt service coverage5.5-7.5% interest depending on the loan type/termWhen an IRA uses debt financing, it is receiving the benefit of using non-IRA funds (the borrowed money) inside the IRA envelope.