Lumos Mortgage"Thank you Lumos Mortgage Group for all your support during my buyer's financing process. It was a challenging one but we made it!! I will definitely recommend you to more clients."
I
Isabel Z.
Google · May 2026
Real estate investors
Qualify on the property's rent — not your personal income.
DSCR loans for Florida and Texas investors, with the option to close in your LLC.
4.99· 215 reviews
Step 1 of 7
How it works
- 1
Answer a few questions
About 45 seconds. No credit check to start.
- 2
We shop lenders for you
As a licensed broker, we compare programs from multiple lenders.
- 3
Get your game plan
A Lumos advisor texts you with next steps and documents.
Why borrowers choose this
No personal income docs
No tax returns or pay stubs — the rent does the qualifying.
Close in an LLC
Keep your portfolio organized and separate.
Scale your portfolio
Long-term and short-term rental options from multiple lenders.
Who this is for
- New and experienced investors
- Long-term or short-term rentals
- Purchases or cash-out refinances
Documents you'll need
- Lease or market rent estimate
- LLC documents (if applicable)
- Bank statements for reserves
- Photo ID
Frequently asked questions
What is DSCR?
It compares the property's rent to its housing costs. Lenders use it instead of your personal income.
Can I use short-term rental income?
Some lenders accept Airbnb-style income. We'll match you with them.
Do I need experience?
Not always. Some programs work for first-time investors.
Can I close in my LLC?
Yes, most DSCR lenders allow LLC vesting.
Meet your broker
Joselin I. Chiu
Broker Owner · NMLS #2598846
Joselin I. Chiu has 20+ years in real estate financing. She founded Lumos Mortgage Group in Miami to give every borrower private-client guidance — in English or Spanish.
Get QualifiedVerified reviews
4.99 across 215 reviews.
Aggregated live from Experience.com — Google (79), Experience.com (87), Zillow (49). 100% 5-star.
"Excellent work and dedication! We are grateful!"
C
Cindy M.
Google · May 2026
"We are super happy — thanks to Yoster and Joselin for making this dream come true! I could see God's hand all the way through them. God bless you family!"
A
Andres L.
Google · May 2026