For Investors
Scale your portfolio — faster.
From your first rental to your fifteenth, we finance investors with creative loan structures that close quickly and keep your capital working.
20%
Min down
No
Tax returns
10+
Properties OK
Loan products for investors.
DSCR Loans
Qualify based on the property's rental income — not your personal income or tax returns.
Portfolio Loans
Bundle multiple properties into a single loan with simplified underwriting.
Short-Term Rental
Airbnb-friendly financing using projected nightly revenue from AirDNA.
Bank Statement Loans
12 or 24 months of statements in lieu of W-2s for self-employed investors.
Why Lumos
Built for the long game.
- Direct access to non-QM wholesale lenders
- Close in as fast as 14 days
- Cash-out refis for the BRRRR strategy
- 1-4 unit, condotels, and STR friendly
"Lumos understands real estate investors. They speak our language and close on time. Period."
— Devon T., Tampa portfolio investor
