Visio Lending for Maryland 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.
Maryland context
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law.
How Visio Lending positions in Maryland
Maryland 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 Maryland
Visio Lending provides DSCR coverage across Maryland metros including Baltimore, Frederick, and Annapolis. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Visio Lending program terms apply uniformly across Maryland 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 |
| Maryland property tax | 1% |
| Maryland state income tax | 5.75% |
Visio Lending strengths in Maryland
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including Maryland. Visio Lending is based in Austin, TX and operates nationally.
Baltimore is the top investor market in Maryland and falls within Visio Lending national coverage. Baltimore property tax follows the Maryland state rate of 1 percent. Visio Lending typically underwrites Baltimore acquisitions at standard rate sheets.
Yes. Frederick ranks among the larger Maryland investor metros and sees consistent DSCR loan volume from Visio Lending. Submarket variation within Frederick matters for property selection.
Visio Lending applies the same rate sheet across Maryland metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Baltimore, Frederick, and Annapolis 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.
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law. Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in Maryland.
Maryland allows standard DSCR prepay structures; Visio Lending typically uses 3-5 year step down.
Visio Lending typical close: 21-30 days typical.
Bottom line
Maryland 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.