The financing to help grow your portfolio is here.
Whether you’re just starting out or already a seasoned pro, Embrace Home Loans has flexible options to help you get the financing you need for your next investment property. We’ve even created our one-of-a-kind Beyond by Embrace program to help certain borrowers who may be in more unique financial situations, including those who are self-employed or have a history of foreclosure or bankruptcy, secure a mortgage for an investment property.
For experienced investors, our Debt Service Coverage Ratio (DSCR) loans require no personal income documentation and are a great alternative to hard money loans. Designed for business purposes only, you can qualify for financing with the income from your rental property, so personal tax returns and W-2s aren’t necessary.
Working with a larger budget? We can help with that, too. We have programs that support loan sizes up to $2.5 million.
If you’re ready to get started, contact an Embrace loan specialist to learn about today’s investment property interest rates or read more below about our various programs.
- Fast & Secure
- Flexible loan options
- No impact on your credit score
DSCR Programs
- FICO® Scores as low as 660 accepted
- Personal tax returns and W-2s not required; qualify based on property's rental income
- Typically lower rates and fees than hard money loans
- Up to 20 financed properties allowed – many programs limit to six
- 30-year loan option – hard money loans average 10 years or less
- Loans for business purposes only – may not be used for personal, family, or household purposes
Beyond Investment
- Self-employed borrowers may qualify by showing cash flow from bank statements or 1099s
- Loan sizes up to $2.5 million
- Purchase, rate and term, and cash-out refinance options available
Conventional Programs
- FICO® Scores as low as 620 accepted
- Purchase, rate and term, and cash-out refinance options available
- Multi-unit properties up to $1 million (4 units)
Jumbo loans
- Minimum FICO® Scores 760 or higher accepted
- Purchase, rate and term, and cash-out refinance options available
- Loan amounts up to $1 million
Frequently asked questions
What does it mean to be pre-qualified?
How does my credit score impact the rate I get on my mortgage loan?
How is my credit score calculated?
How can I improve my credit score?
• Get copies of your credit reports and stay on top of them
• Set up payment reminders and pay your bills on time
• Focus on reducing your debt
What is an underwriter looking for in a purchase loan application?



Not a commitment to lend. Conditions and fees apply. Embrace Home Loans reserves the right to cancel this offer at any time. Interest rates are determined on the day you lock your rate. If published rates fall below your locked rate, Embrace Home Loans will allow a one-time offer to re-lock your rate at the lower rate.