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Ember Creek

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Solutions

Whether you’re growing your portfolio with single-family rentals, scaling with duplexes or triplexes, investing in 5+ multi-family properties, or breaking into the short-term rental market with properties designed for platforms like Airbnb, we provide the insights and strategies you need to maximize returns. Whether you’re purchasing your next property or refinancing an existing one, our expertise is your advantage. Let’s turn your vision into valuable, sustainable investments. Ready to discover the opportunities waiting for you? Explore now!

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Available Programs

Residential 1-4 Units

These are loan products tailor-made for borrowers who may not fit the usual criteria for a traditional mortgage. These loans tend to have different requirements when it comes to income and credit.

DSCR

A DSCR (debt service coverage ratio) loan, or Investor Cash Flow loan, is a non-QM loan that allows you to qualify for a home loan without relying on personal income.  


Program Highlights:


  • Non-owner occupied only
  • No income or job verification
  • No prepay options available

Asset-Based Lending

Specifically designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification. 


Program Highlights:


  • Purchase and refinance transactions
  • Streamlined underwriting
  • No seasoning of ownership required
  • Late mortgage payments in past 12 months is allowed

ARV

A short-term solution for improving property value and maximizing rental appeal.  Designed for real estate investors seeking a short-term, interest-only loan to maximize appreciation, stabilize cash flow, and minimize vacancies.  


Program Highlights:


  • Finance improvements based on the property's "as repaired value".
  • Helps to increase market value, rental appeal, demand, and rental rates.
  • Fast closings.
  • Interest-only, 1-year term to lower monthly payments.
  • Higher LTV than hard money lenders


Residential 5+ Units

These are loan products tailor-made for borrowers who may not fit the usual criteria for a traditional mortgage. These loans tend to have different requirements when it comes to income and credit.

DSCR

A DSCR (debt service coverage ratio) loan, or Investor Cash Flow loan, is a non-QM loan that allows you to qualify for a home loan without relying on personal income.  Program Highlights:


  • Non-owner occupied only
  • No income or job verification
  • No prepay options available

Asset-Based Lending

Specifically designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification. 


Program Highlights:


  • Purchase and refinance transactions
  • Streamlined underwriting
  • No seasoning of ownership required
  • Late mortgage payments in past 12 months is allowed

Blanket Loans

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