LumenIs the partner tool really free?
Yes. Approved business partners get a co-branded calculator, financing request page, attributed link, QR code and embed without a tool fee. LumenBlock earns a lender- or financing-partner-paid referral or affiliate commission only when a referred deal is funded. No commission to the property manager is promised.
Is this a loan application?
No. The form is a request for LumenBlock to review your context and contact you. It does not trigger a credit pull, automatically submit anything to a lender or guarantee an offer. Permission for an external referral is sought separately.
How does this calculator measure DSCR?
It divides monthly gross rent by monthly PITIA: principal, interest, taxes, insurance and association dues. With illustrative defaults of $3,000 rent and $2,400 PITIA, the ratio is 1.25×. This gross-rent method is not a full operating-income analysis.
What does 1.00× mean?
Under this calculation, gross rent equals PITIA. Below 1.00×, rent is less than PITIA. Above 1.00×, rent exceeds PITIA, but repairs, vacancy, management costs and other expenses may still affect cash flow. A ratio does not establish lender eligibility.
What if rent is zero or PITIA is missing?
Zero gross rent is valid and produces a ratio of 0.00× when PITIA is positive. PITIA must be greater than zero. Negative, missing and nonfinite figures are not valid; the calculator asks you to correct them.
Do you store calculator inputs?
Not just because you calculate. Inputs stay client-local. On the calculator page, you can explicitly carry estimates into the request form and then choose whether to submit them. Contact details and any voluntarily included estimates are stored privately after submission.
Can I embed it on my business website?
Yes. Approved partners receive iframe code for HTTPS websites, as well as a link and QR PNG. The calculator is the only embeddable site section; investor requests open in a new tab. No keyword-rich backlink is required.
What does referral tracking mean here?
An approved partner identifier and source (link, QR or embed) accompany an investor request. LumenBlock validates the identifier against the private registry and saves attribution on the request. This does not mean every visitor is identified. Google measurement and analytics-cookie choices are explained separately in the privacy notice.
Can partners join from anywhere in the U.S.?
The business-partner program initially serves U.S. businesses remotely. Financing availability is reviewed case by case. Partner geography is not a promise of financing in every state.
Who is behind LumenBlock?
Michael is the business contact. Reach michael@lumenblock.com or +1 (424) 449-7000. We do not publish invented credentials, lenders, funded-deal examples, client reviews or a physical office address.