Visio Lending for Minnesota 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.
Minnesota context
Minnesota stable Midwest market. Twin Cities dominant. Minneapolis rent stabilization (2023) affects city proper.
How Visio Lending positions in Minnesota
Minnesota 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 Minnesota
Visio Lending provides DSCR coverage across Minnesota metros including Minneapolis, St. Paul, and Rochester. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Visio Lending program terms apply uniformly across Minnesota 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 |
| Minnesota property tax | 1.1% |
| Minnesota state income tax | 9.85% |
Visio Lending strengths in Minnesota
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including Minnesota. Visio Lending is based in Austin, TX and operates nationally.
Minneapolis is the top investor market in Minnesota and falls within Visio Lending national coverage. Minneapolis property tax follows the Minnesota state rate of 1.1 percent. Visio Lending typically underwrites Minneapolis acquisitions at standard rate sheets.
Yes. St. Paul ranks among the larger Minnesota investor metros and sees consistent DSCR loan volume from Visio Lending. Submarket variation within St. Paul matters for property selection.
Visio Lending applies the same rate sheet across Minnesota metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Minneapolis, St. Paul, and Rochester 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.
Minnesota stable Midwest market. Twin Cities dominant. Minneapolis rent stabilization (2023) affects city proper. Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in Minnesota.
Minnesota allows standard DSCR prepay structures; Visio Lending typically uses 3-5 year step down.
Visio Lending typical close: 21-30 days typical.
Bottom line
For Minnesota DSCR borrowers, Visio Lending is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Visio Lending.