Investor Loans

Jason Wagner , Loan Originator at Empire Home Loans

Jason Wagner , Loan Originator

Empire Home Loans

Phone: (801) 680-8629

Email: [email protected]

NMLS# 2511691

Company NMLS# 1839243

Empire Home Loans, Inc., NMLS ID#1839243, CA DRE# 02086593, CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional licensing information. The corporate office address is 4401 Hazel Ave., Ste. 135, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc. supports equal housing opportunity.

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.