Real Estate Investors & Self-Employed Borrowers
Smart banking and lending solutions for entrepreneurs, investors, and independent earners. At Luminate Bank, we help you bank and borrow smarter with flexibility designed for your goals.
Banking and lending solutions designed for you.
Real estate investors, small business owners, and self-employed professionals need financial tools that match the way they actually earn and grow. Traditional banking and mortgage products often fall short for those with non-W2 income, multiple properties, or complex cash flow needs. That’s why Luminate Bank builds solutions with flexibility at the core.
Our programs are designed to help you secure financing faster, manage money with ease, and keep capital working for you. From specialized mortgage options like DSCR and bank statement loans to business banking with QuickBooks integration, we provide the lending power and everyday banking support that help you reach your next milestone.
With Luminate, you’re not
just
opening accounts or applying for a loan; you’re partnering with a team that understands the unique challenges and opportunities of investors and entrepreneurs.
For Real Estate Investors
Building wealth through real estate means more than just buying properties, it’s about creating consistent cash flow, building long-term equity, and leveraging opportunities as they arise. At Luminate Bank, we offer mortgage programs and financing solutions that give investors the flexibility they need to compete in today’s market.
key loan features for investors
No Income Documents Required: No need for paystubs, W2s, tax returns, or P&Ls.
DSCR Loans: Qualify based on rental income, not personal income.
Bank Statement Programs: Ideal for self-employed or entrepreneurial borrowers.
HELOC for Rental Properties: Access up to $500,000 for renovations, expansions, or other projects.
No Property Limits: Finance multiple properties with room to grow.
Investment Property Loan Comparison
| Feature | Long-Term Rental | Short-Term Rental (Airbnb/VRBO) | Fix & Flip |
| Typical Loan Amount | $250,000 – $750,000 | $300,000 – $1,000,000 | $150,000 – $500,000 |
| Minimum Down Payment | 25% | 25%–30% | 20%–25% |
| Credit Score Needed | 660+ | 680+ | 660+ |
| Cash-Out Refinance | Up to $500,000 | Up to $500,000 | Not common, depends on resale |
| Expected Cash Flow | $500–$1,500/mo. per unit | $2,000–$5,000/mo. (location dependent) | $20,000–$70,000 profit per flip |
For Small Business Owners & Independent Contractors
Running your own business means wearing a lot of hats. Your banking shouldn’t add to the workload. We provide accounts and digital tools that make it easy to manage cash flow, streamline payments, and stay focused on growth.
Business Banking Features
- Business Checking with QuickBooks integration for seamless bookkeeping
- Online Invoicing and Zelle® for Business to get paid faster
- ACH/Payroll Services to simplify paying employees or contractors
- Merchant Services for safe, reliable customer transactions
Simplify your business finances with tools built for entrepreneurs like you.
How We Help You Grow
At Luminate Bank, we’re more than a place to store your money or secure a loan; we’re a growth partner. Our mission is to help you move faster, stay agile, and take advantage of opportunities when they arise.
- Faster Access to Capital: Quick approvals and funding designed to match the pace of real estate and business.
- Tools That Save Time: From QuickBooks integration to ACH payroll, we reduce manual tasks so you can focus on strategy.
- Support That Understands You: Work with a banking team experienced in real estate investment and small business ownership.
- Room to Scale: Whether it’s expanding your portfolio or hiring your next employee, our solutions grow with you.
Your success is our benchmark, because when you grow, so do we.
- Flexibility – Lending and banking programs built for non-traditional income.
- Transparency – Clear terms, easy reporting, and no hidden fees.
- Partnership – A trusted banking relationship that grows with your goals.
Why choose Luminate Bank?
Frequently Asked Questions
What is a DSCR loan and how does it work?
A Debt Service Coverage Ratio (DSCR) loan allows you to qualify based on your rental property’s income instead of personal income. It’s ideal for real estate investors building larger portfolios.
Can I use a HELOC on an investment property?
Yes. We offer HELOCs that let you tap into equity from rental properties to fund renovations, cover expenses, or purchase additional properties.
Do you work with businesses or borrowers without W-2 income?
Absolutely. Our bank statement mortgage programs and flexible business checking accounts are designed specifically for self-employed borrowers and independent contractors.
What tools can I connect to my business account?
Our business accounts integrate seamlessly with QuickBooks, plus offer Zelle® for Business, ACH services, and online invoicing.
Ready to bank and borrow smarter?
Let’s align your lending and banking to your goals, so your money works as hard as you do.
