Overview
Visio Lending is one of the original DSCR specialists, with particular strength in short-term rental underwriting. Minimum DSCR of 1.00 is firm (no below-1.0 program). Uses AirDNA data for STR underwriting.
Visio Lending is based in Austin, TX and was founded in 2011. They operate nationally and offer rental DSCR, STR DSCR financing. Their loan amount range runs from $75K to $2.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | rental DSCR, STR DSCR |
| Geographic coverage | National |
| Loan size | $75K – $2.0M |
| Interest rate range | 6.75% – 9.5% |
| Origination points | 1 – 3 |
| Minimum credit score | 680 |
| Minimum DSCR | 1.00 |
| Entity vesting | LLC required |
| Max LTV | 80% of ARV |
| Max LTC | 85% of cost |
| Term lengths | 30-year amortization |
| Typical close time | 21-30 days typical |
Strengths
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower
Long-term rental and STR-focused investor
How Visio Lending compares
As an institutional non-QM lender, Visio Lending's underwriting is templated and predictable. That is fast for a borrower who fits the box and inflexible for one who does not.
Coverage is the constraint most investors hit first. Visio Lending serves National, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for Visio Lending cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
Visio Lending FAQ
Visio Lending is based in Austin, TX and serves National. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
Visio Lending's indicative rate range is 6.75%–9.5% with 1–3 points. Pricing depends on credit, leverage, coverage ratio and experience, and moves with the market.
Visio Lending's typical minimum loan is $75K, with maximum loan size up to $2.0M.
Visio Lending's typical close timeline is 21-30 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
Visio Lending offers rental DSCR, STR DSCR financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Long-term rental and STR-focused investor
This review is an independent directory listing. DSCR Loan Program is not affiliated with Visio Lending, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.