EMS Commercial

Lending Solutions For Investors

Fix & Flips

Our fix and flip loans are designed to provide short-term financing for the purchase and renovation of distressed properties. With competitive rates and flexible terms, we empower you to seize lucrative opportunities and maximize the potential profit from your fix and flip ventures.

DSCR & Non-DSCR

For investors who prioritize DSCR, we provide loan programs that take into account the property's cash flow and ability to cover the debt service obligations. These programs are ideal for borrowers seeking financing where the rental income from the property is a key factor in qualifying for the loan.

Bridge Loans

Our bridge loans provide short-term funding that allows you to seize time-sensitive opportunities, such as property acquisitions, renovations, or even bridging the gap during a property sale. With competitive rates and a streamlined application process, EMS Commercial ensures that you have access to the capital you need to move quickly in the dynamic real estate market.

Investment Property Funding

At EMS Commercial, whether you are looking to acquire new properties, renovate existing ones, or expand your investment portfolio, we offer competitive loan options, personalized guidance, and a streamlined application process. With EMS Investment Properties Funding by your side, you can confidently pursue your investment goals and unlock the potential of your real estate ventures.


White Glove Service

At EMS Commercial, we understand the importance of providing an exceptional customer experience in the world of commercial lending. With our White Glove Service, we go above and beyond to deliver a level of care and attention that sets us apart. From the moment you engage with us, you can expect personalized guidance, dedicated support, and a commitment to your success.

Easy online process with approval and rate quote in minutes


We focus on providing excellent client service, a professional approach, and reliability. Our industry experts provide a tailored strategy and one-on-one transaction support to help you grow your portfolio. We help part-time and full-time investors, large landlords, developers, and real estate funds, all with the same passion for success.Personalized service with your own personal account manager and loan officer Fast closings in 10–14 days, full 30-year terms, no balloons streamlined qualification process emphasizing property-level cash flow All Commercial purchase and refinance options to LTV 80% for purchase and 75% LTV for refinancing simple haggle-free closings protect your identity and other assets by borrowing in a corporate entity LLC.

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EMS Real Estate Services

EMS Commercial is a renowned leader in the world of commercial and investment lending services. With a commitment to excellence and a deep understanding of the complexities of the industry, EMS Commercial offers a comprehensive suite of financial solutions to meet the diverse needs of our clients. Our expertise encompasses a wide range of lending options, including non-QM loans, commercial mortgage lending, investment property funding, fix and flip loans, bridge loans, and more. We take pride in providing a personalized approach, tailoring our services to the unique goals and challenges of each client. Whether you're a seasoned investor or a first-time borrower, EMS Commercial is your trusted partner, dedicated to helping you achieve your financial objectives and navigate the ever-changing landscape of commercial and investment lending. With us, you can expect a level of service that goes beyond expectations, ensuring your success in the world of real estate and investment.

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Available Starting times for Wed, Dec 11, 2024

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Contact Info

410-844-3930

Address: 4319 Old Milford Mill Rd, Suite 201, Pikesville, MD 21208

EMS Commercial is a trusted leader in providing comprehensive commercial and investment lending solutions.

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