Skip to main content
For Investors

Investment Property Loans

DSCR loans and financing solutions for rental properties and real estate portfolios.

Get Pre-Approved

Loan Options for Investors

DSCR Loans

Qualify based on property cash flow, not personal income

Conventional Investment

Traditional financing for 1-4 unit rental properties

DSCR Tool

DSCR Calculator

Run debt service coverage numbers for rental properties — see how property cash flow can help you qualify without personal income docs.

Open DSCR Calculator

2MG Daily

Latest Investment Insights

Recent articles from our blog covering investment property loans, rentals, and portfolio financing tips.

Why DSCR loans open doors for real estate investors

Aug 18, 2026

Why DSCR loans open doors for real estate investors

Read full article
Why DSCR loans are changing the game for real estate investors

Aug 07, 2026

Why DSCR loans are changing the game for real estate investors

Read full article
Investment Property Loans Offer Wealth Building Opportunities

Jul 17, 2026

Investment Property Loans Offer Wealth Building Opportunities

Read full article

Grow Your Portfolio

Let The 2 Mortgage Guys find the right investment property financing for you.

Get Started
The 2 Mortgage Guys logo
The 2 Mortgage Guys

Ryan Minick and Steve DeLon — Branch Managers & Senior Loan Officers at Luminate Bank. Based in Kokomo, Indiana. Lending nationwide since 2005.

Contact

(765) 450-8933

[email protected]

Ryan Minick NMLS# 203249

Steve DeLon NMLS# 202876

Luminate Bank NMLS# 1281698

Kokomo's Mortgage Team. Lending Nationwide.

1221 Appletree Lane, Kokomo, IN 46902

NMLS Consumer Access

Luminate Bank NMLS 1281698 Bank Headquarters 2523 S. Wayzata Blvd., Suite 100 Minneapolis, MN 55405 (952) 939-7200. This is not an offer to enter into an agreement. Information provided is outlining the minimum down payment requirements as allowed by specific loan program and product guidelines and any information, rates and programs are subject to change without prior notice and may not be available in all states. All loans are subject to credit and property approval. Luminate Bank is not affiliated with any government agency. All rights reserved.

© 2026 The 2 Mortgage Guys at Luminate Bank. All rights reserved.

Privacy PolicyTerms of ServiceNMLS Consumer Access
(765) 450-8933Get Started