Property Type · Texas
Condotel / Hotel-Condo Buyer in Texas
Buying a condotel in Texas? Specialty non-QM lenders treat them as residential — not commercial.
Common challenges we solve
- Most conventional lenders decline condotels
- Wanting personal use plus rental income
- HOA and management-company contracts
What you get with Lumos
Non-QM and portfolio condotel programs
Up to 75% LTV
Investor or second-home occupancy
Loan programs that typically fit
Frequently asked
- What makes it a condotel?
- Hotel-style management, on-site check-in, daily rental program.
- Down payment?
- 25–30% typical.
