Visio Lending for Louisiana 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.
Louisiana context
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost.
How Visio Lending positions in Louisiana
The Louisiana lender pool for DSCR includes Visio Lending among the active platforms. Louisiana top metros (New Orleans, Baton Rouge, Shreveport) see meaningful Visio Lending loan volume.
City-level coverage in Louisiana
Visio Lending provides DSCR coverage across Louisiana metros including New Orleans, Baton Rouge, and Shreveport. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Visio Lending program terms apply uniformly across Louisiana 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 |
| Louisiana property tax | 0.6% |
| Louisiana state income tax | 4.25% |
Visio Lending strengths in Louisiana
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including Louisiana. Visio Lending is based in Austin, TX and operates nationally.
New Orleans is the top investor market in Louisiana and falls within Visio Lending national coverage. New Orleans property tax follows the Louisiana state rate of 0.6 percent. Visio Lending typically underwrites New Orleans acquisitions at standard rate sheets.
Yes. Baton Rouge ranks among the larger Louisiana investor metros and sees consistent DSCR loan volume from Visio Lending. Submarket variation within Baton Rouge matters for property selection.
Visio Lending applies the same rate sheet across Louisiana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. New Orleans, Baton Rouge, and Shreveport 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.
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost. Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in Louisiana.
Louisiana allows standard DSCR prepay structures; Visio Lending typically uses 3-5 year step down.
Visio Lending typical close: 21-30 days typical.
Bottom line
Louisiana 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.