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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Investor Loans | Jason Wagner | Empire Home Loans