Investor Loans
Jason Wagner , Loan Originator at Empire Home Loans
Investor Loans
Investor Loans Grow Your Portfolio
What is a DSCR Loan?
DSCR Formula
DSCR Quick Calculator
Investment Loan Programs
DSCR Loan Requirements
DSCR Ratio
Down Payment
Credit Score
Reserves
Fix & Flip Calculator
Fix & Flip Loans
Why Choose Our Investor Loans?
Investor Loan FAQs
Ready to Grow Your Portfolio?
LOAN PROGRAMS
Specialized financing for real estate investors. DSCR loans, fix & flip financing, bridge loans, and more designed to help you scale your investment portfolio without limits.
Debt Service Coverage Ratio (DSCR) loans are designed specifically for real estate investors. Instead of qualifying based on your personal income or tax returns, you qualify based on the property rental income. This makes DSCR loans perfect for:
DSCR = Monthly Rent ÷ Monthly PITIA
A DSCR of 1.25 means the property generates 25% more income than the mortgage payment
Your DSCR Ratio
1.25
Strong - Qualifies for best rates
Choose the right financing solution for your investment strategy. From long-term rentals to quick flips, we have you covered.
Understanding what lenders look for helps you prepare for a successful application.
Higher ratios get better rates. 1.25+ qualifies for best pricing.
Potential Profit
$75,000
21.4% Return on Investment
Short-term financing designed specifically for investors who purchase, renovate, and resell properties for profit. Our fix and flip loans fund both the acquisition and renovation costs with fast closings.
We understand real estate investing because we work with investors every day. Our programs are designed to help you grow your portfolio efficiently.
Get answers to common questions about investment property financing
Whether you are buying your first rental or your fiftieth, we have the financing solution to help you scale.
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- navigate('/contact')} className="px-6 py-2.5 rounded-lg text-white text-sm font-semibold hover:shadow-xl transition-all" style= >Find My Rate {mobileMenuOpen && LOAN PROGRAMS Real Estate Investment Financing Investor Loans Grow Your Portfolio Specialized financing for real estate investors. DSCR loans, fix & flip financing, bridge loans, and more designed to help you scale your investment portfolio without limits. Get Pre-Approved Calculate DSCR What is a DSCR Loan? Debt Service Coverage Ratio (DSCR) loans are designed specifically for real estate investors. Instead of qualifying based on your personal income or tax returns, you qualify based on the property rental income. This makes DSCR loans perfect for: DSCR Formula DSCR = Monthly Rent ÷ Monthly PITIA A DSCR of 1.25 means the property generates 25% more income than the mortgage payment DSCR Quick Calculator Monthly Rental Income $ Monthly PITIA Payment $ Your DSCR Ratio 1.25 Strong - Qualifies for best rates Get DSCR Rate Quote Investment Loan Programs Choose the right financing solution for your investment strategy. From long-term rentals to quick flips, we have you covered. DSCR Loan Requirements Understanding what lenders look for helps you prepare for a successful application. DSCR Ratio Minimum Required 1.0 - 1.25 Higher ratios get better rates. 1.25+ qualifies for best pricing. Down Payment Minimum 20% Standard 20-25% Cash-Out 25% Credit Score Minimum 640 Good Rates 680+ Best Rates 720+ Reserves Minimum 3-6 Months Multiple Props 6+ Months Cash Reserves Required Fix & Flip Calculator Purchase Price $ Renovation Budget $ After Repair Value (ARV) $ Potential Profit $75,000 21.4% Return on Investment Get Fix & Flip Quote Fix & Flip Loans Short-term financing designed specifically for investors who purchase, renovate, and resell properties for profit. Our fix and flip loans fund both the acquisition and renovation costs with fast closings. Why Choose Our Investor Loans? We understand real estate investing because we work with investors every day. Our programs are designed to help you grow your portfolio efficiently. Investor Loan FAQs Get answers to common questions about investment property financing Ready to Grow Your Portfolio? Whether you are buying your first rental or your fiftieth, we have the financing solution to help you scale. Get Investor Pre-Approval © {branding.privacyPolicyUrl && Privacy Policy
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