Visio Lending for Indiana 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.
Indiana context
Indiana strong cash flow Midwest metros. Low property tax. Indianapolis dominant investor market.
How Visio Lending positions in Indiana
Indiana is well covered by national DSCR lenders, with Visio Lending as one option. Where Visio Lending differentiates: DSCR specialist. Where it competes: rates 6.75 to 9.5 percent against peer programs.
City-level coverage in Indiana
Visio Lending provides DSCR coverage across Indiana metros including Indianapolis, Fort Wayne, and South Bend. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Visio Lending program terms apply uniformly across Indiana 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 |
| Indiana property tax | 0.9% |
| Indiana state income tax | 3.2% |
Visio Lending strengths in Indiana
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including Indiana. Visio Lending is based in Austin, TX and operates nationally.
Indianapolis is the top investor market in Indiana and falls within Visio Lending national coverage. Indianapolis property tax follows the Indiana state rate of 0.9 percent. Visio Lending typically underwrites Indianapolis acquisitions at standard rate sheets.
Yes. Fort Wayne ranks among the larger Indiana investor metros and sees consistent DSCR loan volume from Visio Lending. Submarket variation within Fort Wayne matters for property selection.
Visio Lending applies the same rate sheet across Indiana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Indianapolis, Fort Wayne, and South Bend 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.
Indiana strong cash flow Midwest metros. Low property tax. Indianapolis dominant investor market. Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in Indiana.
Indiana allows standard DSCR prepay structures; Visio Lending typically uses 3-5 year step down.
Visio Lending typical close: 21-30 days typical.
Bottom line
Indiana investors considering Visio Lending should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Visio Lending.