Welcome to XDTalk. I have never seen a IWB holster that accepted a mounted light. If you are considering OWB, I would go for a Safariland, though it won't be the easiest to conceal.
I can't imagine that an XD and light would be comfortable IWB at all.
If you do find one. Make sure the light is turned off at all times. If not it would be just like the refrigerator, every time you unzip the light will come on.:lol: Sorry i could not resist saying that.
Been looking at the Phantom myself, so that's why I remembered it.... if you do get one, let me know how you like it!
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