Visio Lending for Delaware investors
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.
Delaware context
Delaware low property tax. Strongest LLC formation state — many investor LLCs registered here even for properties in other states. Strong corporate-anchored DSCR.
How Visio Lending positions in Delaware
Within Delaware, Visio Lending competes alongside other DSCR lenders. Visio Lending strengths: DSCR specialist, STR-friendly underwriting. The medium aggregate DSCR economics of Delaware create demand for Visio Lending programs in Wilmington and Dover particularly.
City-level coverage in Delaware
Visio Lending provides DSCR coverage across Delaware metros including Wilmington, Dover, and Delaware. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Visio Lending program terms apply uniformly across Delaware metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR, STR DSCR |
| Loan size | $75K - $2.0M |
| Rates | 6.75%-9.5% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 30-year amortization |
| Typical close time | 21-30 days typical |
| Delaware property tax | 0.6% |
| Delaware state income tax | 6.6% |
Visio Lending strengths in Delaware
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including Delaware. Visio Lending is based in Austin, TX and operates nationally.
Wilmington is the top investor market in Delaware and falls within Visio Lending national coverage. Wilmington property tax follows the Delaware state rate of 0.6 percent. Visio Lending typically underwrites Wilmington acquisitions at standard rate sheets.
Yes. Dover ranks among the larger Delaware investor metros and sees consistent DSCR loan volume from Visio Lending. Submarket variation within Dover matters for property selection.
Visio Lending applies the same rate sheet across Delaware metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Wilmington, Dover, and Delaware all qualify for the same Visio Lending program.
Visio Lending indicative DSCR rate range is 6.75 to 9.5 percent with 1 to 3 points.
Delaware low property tax. Strongest LLC formation state — many investor LLCs registered here even for properties in other states. Strong corporate-anchored DSCR. Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in Delaware.
Delaware allows standard DSCR prepay structures; Visio Lending typically uses 3-5 year step down.
Visio Lending typical close: 21-30 days typical.
Bottom line
Visio Lending in Delaware works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Visio Lending.