760-835-5663
sean@seanlarue.com
Luminate Bank
For Investors · Home Loans

Financing built around the property, not just your W-2.

Investment property loans structured around the deal itself — the rental income, the renovation plan, the exit strategy — for investors whose personal tax returns don't tell the whole story.

Whichever strategy you're running, there's a loan built for it.

DSCR Loans

Debt Service Coverage Ratio loans qualify based on the property's own rental income covering the mortgage payment — not your personal income or tax returns.

No-Tax-Return Loans

Built for self-employed and portfolio investors whose filed tax returns don't reflect their actual cash flow or buying power.

Fix & Flip Loans

Short-term financing to acquire and renovate a property for resale, structured around the after-repair value and your project timeline.

Rehab & Hold Loans

Renovate the property first, then transition into long-term hold financing once it's stabilized and producing rental income.

Bring the deal, and we'll find the structure that fits it.

A 10–15 minute call is the fastest way to know which of these loan types fits your investment plan.