About Us: Your Trusted Partner to Increase Equity, Build Assets, Eliminate Debt & Create Wealth
Our Mission
We were founded with a singular purpose: to empower real estate investors nationwide with fast, flexible funding solutions that eliminate traditional financing barriers. We simplify complex financing processes, accelerate deal closures, and help you build a profitable portfolio with unwavering confidence and support.
Our commitment goes beyond simply providing capital. We partner with you throughout your investment journey, offering strategic guidance, market insights, and personalized solutions that align with your wealth-building goals. From your first investment property to scaling a multi-property portfolio, we're with you every step of the way.
Expert Team Dedicated to Your Success
- Funding Consultants – Navigate loan options and structure optimal financing
- Acquisition Specialists – Identify opportunities and evaluate investment potential
- Transaction Coordinators – Manage documentation and streamline processes
- Closing Specialists – Ensure smooth, timely closings without delays
- Compliance Officers – Maintain regulatory standards and protect your interests
Our nationwide reach combined with localized market expertise means you benefit from both scale and personalization. We've funded hundreds of successful real estate investments, helping investors like you increase equity, build tangible assets, eliminate burdensome debt, and create generational wealth through strategic property acquisitions.
Understanding DSCR Loans: The Smart Way to Finance Income-Producing Properties
DSCR (Debt Service Coverage Ratio) loans represent a revolutionary approach to real estate financing that qualifies you based on property cash flow potential rather than personal income or credit history. This makes them ideal for investors seeking to finance rental or commercial properties with strong income-generating capacity, especially those with complex tax returns or multiple income streams.
DSCR Formula
DSCR = Annual Rental Income ÷ Annual Debt Service
A ratio above 1.0 means the property generates sufficient income to cover loan payments
Loan Terms
- 30 year fixed terms available
- Interest-only payment options
- LTV up to 80%
- Fast approvals: 10-21 days
Required Documentation
- Annual property taxes
- Rental income verification
- Annual insurance costs
- Property appraisal
- NO TAX RETURNS NEEDED
DSCR Pre-Qualification Requirements
To qualify for a DSCR loan and begin your investment journey, you'll need to meet several straightforward criteria designed to ensure sustainable property ownership and investment success:
- Business ownership – Must be established as a business entity or LLC
- Primary residence – Own your primary residence demonstrating stability
- Credit score – Minimum 680+ credit score required
- Down payment – 20-25% down payment on the investment property
- Income property – Property must generate rental income
- Reserves – 3-6 months of rental income in savings to maintain the property (Lender dependent)
DSCR Example
Annual Rental Income: $36,000
Annual Debt Payment: $30,000
DSCR: 36,000 ÷ 30,000 = 1.20
This 1.20 ratio means the property generates 20% more income than needed to cover the loan—an excellent investment!
Fix & Flip Funding Made Easy: Fast Capital for Your Renovation Projects
Our specialized fix & flip loans are engineered for short-term property renovations, focusing on after-repair value (ARV) to maximize your profit potential. With competitive rates, flexible terms, and lightning-fast funding, you can confidently seize time-sensitive opportunities in today's dynamic real estate market.
Find Property
Identify undervalued properties with strong potential in desirable markets
Get Funded Fast
Quick approval with financing up to 70% LT-ARV + 100% rehab costs
Complete Renovation
Execute strategic improvements that maximize property value
Sell for Profit
Exit quickly with substantial returns on your investment
Key Benefits That Set Us Apart
No Income Verification
Qualify based on deal strength, not personal W-2s or tax returns—perfect for self-employed investors
Streamlined Approval
Fast-track underwriting with decisions in days, not weeks, so you never miss an opportunity
Maximum Leverage
Finance up to 70% LT-ARV plus 100% of renovation costs for optimal cash preservation
- Terms ranging from 6 to 18 months
- Rates starting at just 9.99%
- No prepayment penalties
$180K
Purchase Price
Initial property acquisition cost
$45K
Renovation Budget
Kitchen, bath, flooring, paint
$310K
After Repair Value
Professional appraisal post-renovation
$85K
Net Profit
After closing costs and holding expenses
This investor leveraged our fix & flip funding to acquire a distressed property in a growing neighborhood, completed strategic renovations in just 90 days, and realized a substantial profit margin of 38%. With our 100% rehab financing, they preserved capital for their next project and scaled their portfolio rapidly.
Commercial & Mixed-Use Funding: Expand Your Investment Horizons
Take your real estate portfolio to the next level with our comprehensive commercial financing solutions. Whether you're targeting multifamily apartment buildings, retail centers, office complexes, or mixed-use developments, our DSCR-based commercial loans prioritize property income over personal financials, enabling higher loan amounts and flexible terms tailored to your expansion goals.
Multifamily Properties
Finance 5+ unit apartment buildings with strong cash flow potential. Benefit from economies of scale, professional property management options, and stable rental income streams that weather market fluctuations.
Retail Centers
Invest in strip malls, shopping centers, and standalone retail with triple-net lease advantages. Leverage tenant-occupied properties for predictable returns and long-term appreciation in high-traffic locations.
Office Complexes
Capitalize on professional office space demand with flexible financing structures. From medical buildings to corporate campuses, access the capital needed for value-add opportunities and stabilized assets.
Mixed-Use Developments
Diversify income streams with properties combining residential, retail, and commercial spaces. These dynamic investments offer multiple revenue sources and resilience across economic cycles.
Non-Recourse Loan Protection
Pro Tip:
Protect your personal assets with non-recourse commercial loan options. In the unlikely event of default, the lender's claim is limited to the collateral property itself—your personal assets remain completely protected. This risk mitigation strategy is essential for sophisticated investors building substantial portfolios.
Success Story: Commercial Acquisition
A client acquired a 12-unit multifamily property for $1.8M using our DSCR commercial loan with 75% LTV. The property generates $180,000 annual rental income with a DSCR of 1.35, covering all debt service comfortably while building $450,000 in equity over five years through appreciation and principal paydown.
Land & New Construction Funding: Build Your Vision from the Ground Up
Transform vacant land into profitable real estate ventures with our specialized acquisition and construction financing. Whether you're developing residential communities or custom builds, we provide the flexible capital and terms you need to bring your development vision to life from the foundation up. We help you get from Dirt to Doors!
1
Land Acquisition
Secure financing for raw land purchase with competitive terms and flexible down payment options
2
Development Planning
Work with our team to structure optimal financing for use for permits, site work, and infrastructure
3
Construction Phase
Access draw schedules aligned with construction milestones ensuring adequate cash flow throughout
4
Project Completion
Convert to permanent financing or refinance to unlock equity for your next development project
Our construction loans offer flexible draw schedules, interest-only payments, and expert guidance all to keep your cash flow strong and your project on track.
01
Submit Project Details
Provide land information, development plans, construction budget, and timeline
02
Underwriting & Approval
Our team evaluates project feasibility, ARV potential, and structures optimal financing
03
Funding & Construction
Receive funds on scheduled draw basis tied to verified construction milestones
04
Exit Strategy
Sell, refinance to permanent loan, or hold with conventional financing upon completion
HIGHLIGHTS
- Interest only on disbursed funds
- Origination fees financed into the loan
- 2nd lien assistance to help with down payment
- Five-year lookback on experience
- Payments deferred until payoff
- Loans up to $5 Million
Portfolio & Cash-Out Refinance Solutions
Portfolio Funding
Streamline your financing by leveraging multiple properties under one consolidated loan structure. This powerful approach simplifies management, reduces administrative overhead, and often secures better terms through portfolio-level underwriting. Perfect for investors with 4+ properties seeking operational efficiency.
- Single closing for multiple properties
- Improved cash flow management
- Potential for better interest rates
- Simplified reporting and compliance
Cash-Out Refinance
Unlock the equity you've built in existing properties to fund new acquisitions, renovations, or portfolio expansion. Our cash-out refinance programs let you access up to 65% of current property value while maintaining competitive rates and flexible terms.
- Access equity without selling properties
- Fund new deals with existing portfolio
- Consolidate high-interest debt
- No tax implications on extracted equity
Flexible Personal Loan Funding: Up to $500K Cash Deposit, No Collateral, No Business Plans
When speed and simplicity matter most, our unique personal loan offering delivers unparalleled flexibility without the traditional hurdles of conventional financing. Perfect for investors needing quick capital to seize time-sensitive opportunities, bridge funding gaps, or finance projects that don't fit traditional lending boxes. Pro-Tip: This Cash Funding can be used for ANY PURPOSE, not just real-estate or business.
🚀 Lightning-Fast Approvals
24-48 hour approval decisions with cash deposited within 1-5 business days—faster than any traditional lender
💰 Up to $500K Available
Substantial capital access for significant real estate transactions without collateral requirements or business plan submissions
✅ Soft Credit Pull Only
No impact on credit score during pre-qualification—check eligibility without any risk to your credit profile
🎯 No Pre-Payment Penalties
Total flexibility to repay early without penalties—save on interest when your deal closes faster than expected
Financial Options Comparison: Choose Your Best Path Forward
Ideal Scenarios for Personal Loans
- Covering earnest money deposits on time-sensitive deals
- Bridging funding gaps between property sales and purchases
- Financing smaller renovation projects under $500K
- Quick capital for auction properties requiring immediate payment
- Business working capital for real estate operations
Why Investors Choose This Option
The combination of speed, flexibility, and zero collateral requirements makes our personal loan program perfect for experienced investors who understand opportunity cost. When a great deal appears, waiting weeks for traditional financing can mean losing the property entirely. This program ensures you're always ready to act when opportunity knocks.
How to Get Funded: Pre-Qualification & Funding Process for Every Loan Type
Navigating real estate financing doesn't have to be complicated. Our streamlined pre-qualification and funding process is designed for efficiency and transparency, with dedicated acquisition specialists and funding consultants guiding you from initial application through successful closing. Here's exactly what to expect at each stage.
Initial Consultation
Connect with a funding consultant to discuss your investment goals, property type, and financing needs. We'll identify the optimal loan product for your specific situation—whether DSCR, fix & flip, commercial, or personal loan.
Pre-Qualification
Submit basic information for a soft credit check and preliminary approval. This takes just 1-2 days for most loan types, giving you confidence to make offers and negotiate knowing your financing is secured.
Full Application
Once pre-qualified, our transaction coordinators help you complete the full application with required documentation. We've simplified this process to minimize paperwork and accelerate timelines.
Underwriting
Your file moves to underwriting where our team evaluates all aspects of the deal. For DSCR loans, we analyze property cash flow; for fix & flip, we assess ARV and renovation plans.
Closing
Our closing specialists coordinate all parties, ensuring smooth execution without delays. Funds are disbursed according to your loan terms, and you're ready to execute your investment strategy.
Typical Funding Timelines
Personal Loan
Pre-qualification: 1 day
Full funding: 1-5 business days
Full funding: 1-5 business days
Fix & Flip Loan
Pre-qualification: 1-2 days
Full funding: 7-14 days
Full funding: 7-14 days
DSCR Loan
Pre-qualification: 2 days
Full funding: 10-21 days
Full funding: 10-21 days
Commercial Loan
Pre-qualification: 2-3 days
Full funding: 14-30 days
Full funding: 14-30 days
Document Checklist: Speed Up Your Approval
For DSCR & Commercial Loans
- Business formation documents (LLC/Corporation)
- Personal and business tax returns (2 years)
- Current mortgage statement on primary residence
- Property address and rental income documentation
- Property tax and insurance estimates
- Bank statements showing 3-6 months reserves (Lender dependent)
- Purchase agreement (if applicable)
For Fix & Flip Loans
- Property address and purchase contract
- Detailed scope of work and renovation budget
- Contractor estimates or bids
- After-repair value (ARV) comparable sales
- Photos of current property condition
- Experience summary with previous flips
- Exit strategy timeline
- No Appraisal and No Credit Check
- * We will need 3 comps sold in the last 180 days that you can provide
* We also need inside and outside pics
* 10-20% down payment
Pro Tip: Get Ahead
Start gathering these documents before you find your property. Pre-approved investors move faster, negotiate better, and win more deals. Our acquisition specialists can review your documentation and provide feedback to strengthen your application before submission. Know the exit strategy before starting your loan process.
To begin the underwriting process, you’ll typically need:
- Purchase contract or property details
- Rehab or construction budget
- Entity documents (LLC/Operating Agreement)
- Driver’s license
- Recent bank statements
Our Transaction Coordinating Team will walk you through exactly what’s needed for your specific loan type.
Avoid These Beginner Mistakes: Essential Tips for New Fix & Flip Investors
Learning from others' mistakes is far less expensive than making them yourself. After funding hundreds of fix & flip projects, we've identified the most common pitfalls that derail new investors. Avoiding these errors can mean the difference between a profitable flip and a costly learning experience.
Critical Project Planning Mistakes
Underestimating Renovation Costs
New investors often miss hidden expenses like structural repairs, permit fees, or design changes. Always add a 20% contingency buffer to your renovation budget. Unexpected issues—foundation problems, electrical upgrades, plumbing replacements—appear in nearly every flip. Experienced investors plan for surprises.
Ignoring Local Market Trends
What sells in one neighborhood may not work elsewhere. Analyze recent comparable sales, understand buyer demographics, and align renovations with local preferences. Over-improving for the neighborhood is as costly as under-improving. Your ARV assumptions must reflect reality, not wishful thinking.
Poor Contractor Vetting
Hiring the cheapest contractor often becomes the most expensive mistake. Verify licenses, check references, review past work, and ensure proper insurance coverage. Quality contractors save money through efficiency, expertise, and avoiding costly mistakes. Build relationships with reliable teams.
Unrealistic Timelines
Construction delays are inevitable—weather, permit delays, material shortages, subcontractor scheduling. A realistic timeline includes buffers for these obstacles. Holding costs accumulate daily, so pad your schedule and budget accordingly. Most flips take 30-50% longer than initial estimates.
Financing Strategy Errors
Choosing the Wrong Loan Product
Not all financing works for all projects. Using a personal loan for a major renovation may deplete capital you need for the next deal. DSCR loans are for rentals, not flips. Fix & flip loans provide renovation financing that personal loans don't (It could, but depletes your funds). Match your financing to your specific project requirements and exit strategy.
- Analyze total project costs including financing
- Consider cash-out needs during construction
- Understand prepayment penalties and terms
- Factor holding costs into loan selection
Relying on Personal Income Verification
Traditional mortgages requiring W-2s and tax returns create unnecessary obstacles for investors. Self-employed investors especially struggle with income documentation. DSCR and fix & flip loans eliminate this barrier by focusing on deal strength, not personal income. Leverage the right financing tools for investment properties.
- Investment properties aren't owner-occupied homes
- Personal income isn't relevant to flip profitability
- No-doc loans accelerate closings significantly
- Focus lenders on property potential, not your W-2
Real Investor Success Story: Learning from Near-Disaster
"I nearly lost my first flip by underestimating renovation costs by $30,000 and hiring a contractor based solely on price. The project stalled for two months, holding costs mounted, and I had to bring in a new contractor mid-project. My funding consultant helped me restructure my loan to access additional capital and coached me through contractor negotiation. I finished the project and still profited $42,000, but I learned invaluable lessons. Now I budget conservatively, vet contractors thoroughly, and maintain contingency funds. My last three flips have been profitable and smooth because I learned from that first challenging experience."— Marcus T., Investor from Atlanta
Expert Advice: Structure Deals Conservatively
Successful investors focus on profit margin, not gross revenue. Aim for minimum 20% return on investment after all costs. If the numbers are tight, walk away—better deals exist. Your first flip should prioritize learning and modest profit over maximum returns.
Expert Advice: Manage Cash Flow Strategically
Maintain separate accounts for each project and track every expense meticulously. Reserve adequate capital for overlapping projects and unexpected costs. Never deplete your reserves completely—the next great opportunity always appears when you're least liquid.
Expert Advice: Leverage DSCR Loans for Portfolio Building
While flipping builds capital, rental properties build wealth. Consider converting successful flips to rentals using DSCR loans when market conditions favor holding. This strategy combines immediate cash flow from flips with long-term appreciation and passive income from rentals.
Understanding how your loan amount is determined
LTV (Loan-to-Value Ratio) measures the relationship between the loan amount and the value of the property (either purchase price or after-repair value, depending on the program).
Different loan programs have different LTV limits based on the type of project, risk, and experience level.
Loan Type
Typical Max LTV
Notes
Fix & Flip Loans
Up to 90% of Purchase +100% Rehab (Based on ARV 70%)
Based on After Repair Value
New Construction
Up to 80% of Total Project
Cost Covers Land + Build Budget
DSCR Loan
Up to 80% Appraised Value
No Income Verification
Bridge Loan
Up to 75-80% of Current Value
Ideal for Quick Closings
Refinance/Cash Out
Up to 70% of Current Value
Up to 50% Cash Out Available on Some Programs
Why It Matters
- Higher LTV = More Leverage. You keep more of your cash for materials, reserves, and growth.
- Lower LTV = Lower Risk. Sometimes strategic equity leads to faster approvals and better terms.
- Balanced LTV = Faster Funding. We find the sweet spot that gets your deal approved and clear to close quickly.
Our Commitment: Fair LTV, Fast Funding
We evaluate every project individually — not just by numbers on paper.
If your deal makes sense, we’ll find a way to make it work.
If your deal makes sense, we’ll find a way to make it work.
- Up to 90% Financing Available
- State-Specific 100% Funding Programs
- No Credit or Appraisal Options Available
Specialty Loan Programs
100% Financing
(State-Specific Programs)
Don’t let cash hold you back.
In select states, we offer 100% financing for qualified Fix & Flip and New Construction projects.
- Covers purchase + rehab
- Minimal out-of-pocket costs
- Ideal for experienced investors with strong deal margins
No Credit Check &
No Appraisal Programs
Your deal is the focus — not your credit score.
We fund based on the value and potential of your project, not your FICO.
- No minimum credit requirement
- No appraisal delays
- Fast underwriting and same-day approvals
Perfect for seasoned investors who want to move fast and skip the red tape.
Deferred Monthly Mortgage Payments
Build without the burden of monthly payments.
We offer Deferred Payment Programs for:
- Fix & Flip Projects
- New Construction Builds
- Real Estate Developments
- No payments due until project completion or sale
- Maximized cash flow for materials and contractors
- Short- and long-term options available
Let your project breathe while we fund your vision.
Assisted Living Facility Funding
Step into one of real estate’s most profitable niches.
Our Assisted Living & Senior Care Facility Program helps investors, owners, and operators:
- Acquire or refinance licensed facilities
- Fund renovations and expansions
- Access flexible, long-term financing options
We understand this model — we fund people who build for purpose and profit.
Gas Station & C-Store Programs
We finance gas stations, convenience stores, and franchise conversions nationwide.
- Purchase, refinance, or ground-up development
- Funding available for SBA and private capital programs
- Quick closings and flexible documentation
If your deal makes sense, we make it happen.
Church & Faith-Based Funding
Serving those who serve the community.
Our Church Funding Program offers financing for:
- Property acquisitions
- New sanctuary construction
- Refinancing and renovation projects
- No tax return or credit requirement
- Simple application and fast approvals
- Programs available for established ministries nationwide.
Refinance with No Credit Requirements — Up to 50% Cash-Out
Access your equity without the barriers of traditional lending.
- Refinance based on current property value
- No credit score minimums
- Up to 50% cash-out on equity
- Use funds for expansions, new projects, or debt payoff
Fast approvals. Flexible options. No unnecessary hoops.
Ready to Get Funded? Connect with Our Expert Team Today
Your real estate investment journey begins with a single conversation. Whether you're pursuing your first fix & flip, scaling to commercial properties, or building a rental portfolio, our team of funding consultants and acquisition specialists is ready to design a personalized funding strategy tailored to your unique goals and circumstances.
Free Consultation
Schedule a no-obligation call with one of our funding experts. We'll discuss your investment objectives, analyze your current situation, and identify the optimal financing solutions for your portfolio strategy. Get honest advice without pressure or obligation.
Fast Pre-Qualification
Receive preliminary approval within 1-2 days for most loan products. Know exactly how much you qualify for before making offers, giving you negotiating power and confidence. Our soft credit pull won't impact your credit score during evaluation.
Personalized Support
Work with dedicated professionals throughout your entire funding journey. From acquisition specialists who evaluate deals to closing specialists ensuring smooth transactions, you'll have expert guidance every step of the way to maximize your success.
Start Building Equity, Eliminating Debt & Creating Lasting Wealth
Real estate investment remains one of the most proven paths to generational wealth. Through strategic property acquisitions, forced appreciation, and positive cash flow, you can build substantial assets while enjoying tax advantages unavailable to traditional investors.
Our comprehensive funding solutions remove the barriers that prevent many aspiring investors from taking action. Whether you need $50,000 for a small flip or $5 million for a commercial property, we have the products, expertise, and commitment to make your investment vision a reality.
Don't let financing challenges delay your wealth-building journey another day. The best time to start investing was yesterday. The second-best time is today.
24-48
Hours to Approval
Personal loan decisions
$500K
Maximum Funding
Personal loan capacity
80%
LTV Available
On DSCR loan products
Take Action Now: Multiple Ways to Get Started
📞 Call Our Team
(215) 367-2133
Leave A Voicemail To Request An Appt
You will receive a short demographic request form, so please leave your email, on the voicemail so we know who to pair you with when we return your call.
Info for you Pre-Qualification Form: Broker = Empowerment Management Group, [email protected], 215-367-2133
Monday-Friday: 9am-6pm EST
Saturday: 9am-3pm EST
Saturday: 9am-3pm EST
📄 Download Resources
Free Funding Guide PDF
Complete guide to choosing the right loan for your project
Request at the time of the call.
What Happens After You Contact Us?
- Initial Response: You will be sent a Prequalification Form/Demographic Form to complete (no obligation for applying), so we know how to best prepare for our call. Then a funding consultant contacts you within 24 hours
- Discovery Call: We discuss your goals, experience, and specific needs
- Strategy Session: Receive personalized recommendations and next steps
- Documentation: Our team guides you through required paperwork
- Approval: Fast-track underwriting with decisions in 24-48 hrs - You’ll receive your quote by email and a phone call from your assigned loan specialist.
- Start Underwriting: If you’d like to move forward, simply confirm your quote. Our Transaction Coordinating Team will reach out to collect required documents and contracts to begin the underwriting process. Close your loan and start building wealth immediately.
- Inspection/Appraisals: We’ll order the inspection and/or appraisal needed for your file. During this stage, we work closely with you to ensure your property valuation and project details are accurately reflected.
- Pre-Underwriting Review: Your loan then moves into pre-underwriting, where our team reviews all documents, verifies budgets, and ensures your loan is structured properly for a fast approval.
- Closing/Funding: Once underwriting is complete, we coordinate directly with your title company to finalize your loan. Our goal is simple — to get you clear to close quickly so you can start your project with confidence.
- Fast closings (typically 7–14 days)
- Transparent communication
- Nationwide funding
Your journey to financial freedom through real estate investing starts today. Let's build your wealth together. Be Empowered with Empowerment Management Group LLC.
