Visio Lending for Missouri 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.
Missouri context
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market.
How Visio Lending positions in Missouri
The Missouri lender pool for DSCR includes Visio Lending among the active platforms. Missouri top metros (St. Louis, Kansas City, Springfield) see meaningful Visio Lending loan volume.
City-level coverage in Missouri
Visio Lending provides DSCR coverage across Missouri metros including St. Louis, Kansas City, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Visio Lending program terms apply uniformly across Missouri 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 |
| Missouri property tax | 1% |
| Missouri state income tax | 4.95% |
Visio Lending strengths in Missouri
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including Missouri. Visio Lending is based in Austin, TX and operates nationally.
St. Louis is the top investor market in Missouri and falls within Visio Lending national coverage. St. Louis property tax follows the Missouri state rate of 1 percent. Visio Lending typically underwrites St. Louis acquisitions at standard rate sheets.
Yes. Kansas City ranks among the larger Missouri investor metros and sees consistent DSCR loan volume from Visio Lending. Submarket variation within Kansas City matters for property selection.
Visio Lending applies the same rate sheet across Missouri metros. Pricing variation comes from property-specific factors rather than metro location within the same state. St. Louis, Kansas City, and Springfield 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.
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market. Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in Missouri.
Missouri 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 Missouri 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.