Have you tried using this url instead?
http://devn19/ArcGIS/rest/services/emili_ho_loans_dev/MapServer/0
A map service is fine. You only need a feature service if you need to edit the layer.
Is "Query" listed as a supported operation at the bottom of the page at:
http://devn19/ArcGIS/rest/services/emili_ho_loans_dev/MapServer/0
Does the layer have a min or max scale value?
If you use a tool like HttpFox, do you see a /query request being sent to the layer?