I have an XD9 sc which is the same size as your .40 and I can recommend the Don Hume IWB. It's not a "universal" holster, it's made expressly for the XD. Constructed od leather, very comfortable and high quality. Didn't cost an arm and a leg either. Bought mine on eBay some time ago from I don't remember who but you can probably find it easily by doing a search. Also came with a matching single mag holder.