LUMOLEND GUIDES
Mortgage lending, explained like you’re smart.
Plain-English guides to every kind of financing the LumoLend pricer runs — written and reviewed by a licensed loan officer. No fluff, real math, and the traps flagged before you hit them.
⚡ Free Calculators
DSCR, DTI, BRRRR, flip profit, HELOC — underwriter math, live.
🗺 DSCR by State
The 16-state coverage map, compared.
📈 Rate Index
Where non-QM pricing actually sits — monthly, from real runs.
📚 Glossary
49 terms, defined like you're smart.
Core guides
DSCR Loans
Coverage math, requirements, prepay trade-offs.
Bank-Statement Loans
Qualify on deposits, not tax returns.
Airbnb / STR Loans
Actuals vs projections, the 20% haircut.
Fix & Flip Bridge Loans
LTC caps, ARV ceilings, draw schedules.
HELOC vs Cash-Out Refi
Second lien vs new first — the real math.
VA Loans
Eligibility, COE, funding fee, entitlement.
DTI Explained
The formula, the caps, and how to fix yours.
Pre-Approval vs Pre-Qual
What sellers trust, and why amounts matter.
DSCR loans by state
DSCR by State
The 16-state coverage map, compared.
DSCR by City
Median-deal coverage ranked across 65 metros.
Texas DSCR
Heavy property taxes meet landlord-friendly courts
Florida DSCR
Wind insurance, condo rules, doc stamps, STRs
California DSCR
High prices, thin ratios — sizing leverage honestly
Arizona DSCR
Low taxes and STR-friendly law keep deals penciling
Tennessee DSCR
Cabin STRs, low taxes, landlord-friendly cash flow
North Carolina DSCR
Charlotte-to-coast coverage math and closing quirks
Georgia DSCR
Atlanta rentals, fast courts, intangibles-tax math
Ohio DSCR
High coverage ratios, county tax traps, loan floors
Indiana DSCR
Indy rent-to-price math and the 2% tax cap
Missouri DSCR
KC state-line math and St. Louis map reading
Michigan DSCR
Uncapping, 18 extra mills, and Detroit appraisals
Alabama DSCR
Lowest taxes in America, priced-in wind risk
Colorado DSCR
Denver leverage math, mountain STR licenses, hail insurance
Nevada DSCR
Vegas STR rules, two-tier tax caps, HOA math
South Carolina DSCR
The 6% assessment trap, Charleston STRs, wind pool
Oklahoma DSCR
OKC/Tulsa cash flow, loan minimums, tornado insurance
Deep dives
DSCR vs Conventional
Rent-based vs income-based qualifying, compared head to head
Hard Money vs Bridge
Fast expensive money vs cheaper institutional bridge debt
HELOC vs Equity Loan
Flexible credit line or fixed lump sum, decided
No-Doc Loans
What replaced no-doc loans and who qualifies now
ITIN Loans
Home loans for ITIN holders, no SSN required
Asset Depletion
Qualify on savings and investments, not income
1099 Contractors
Mortgage paths for contractors and gig workers
Self-Employed
The full documentation playbook for business owners
Rental Cash-Out
Pull equity out of a rental the smart way.
Rental HELOC
Tap rental equity without touching your first lien.
Down Payment Rules
What you'll really put down, path by path.
Second Home vs Rental
Get the occupancy classification right the first time.
Interest-Only Loans
When paying interest only actually makes sense
Prepayment Penalties
What early payoff really costs investors
Rate Locks
When to lock and what it costs
FHA vs Conventional
Which low-down-payment path costs less
Mortgage points
Break-even math on discount points and lender credits
ARV explained
How after-repair value drives every flip decision
PITI & PITIA
Every piece of your full monthly mortgage payment
Seasoning rules
Every mortgage waiting period, decoded in one guide
VA Multifamily
Zero down on 2-4 units, rent helps qualify
Non-Warrantable Condos
Financing condos the big banks won't touch
Foreign National Loans
US mortgages for non-resident buyers, no SSN
Jumbo Loans
What lenders require above the conforming limit
BRRRR Financing
Recycle one pot of capital across deals
House Hacking
Live cheap while tenants pay your mortgage
Mortgage Limits
The 10-loan limit and how to beat it
LLC Mortgages
Close in your LLC without the workarounds
En español
Hipoteca con ITIN
Comprar casa sin número de Seguro Social — guía completa.
Préstamos DSCR
La renta califica el préstamo — sin W-2, sin declaraciones.
Estados de Cuenta
Califique con sus depósitos, no con sus impuestos.
Hipoteca 1099
Contratistas independientes: califique con su ingreso bruto.
Reading done — numbers next.
Price your exact scenario in minutes. Live indicative rates as you answer, then a licensed loan officer reviews the run.
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