Visio Lending for New Jersey 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.
New Jersey context
New Jersey property tax highest in nation. DSCR economics tight.
How Visio Lending positions in New Jersey
The New Jersey lender pool for DSCR includes Visio Lending among the active platforms. New Jersey top metros (Newark, Jersey City, Atlantic City) see meaningful Visio Lending loan volume.
City-level coverage in New Jersey
Visio Lending provides DSCR coverage across New Jersey metros including Newark, Jersey City, and Atlantic City. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Visio Lending program terms apply uniformly across New Jersey 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 |
| New Jersey property tax | 2.5% |
| New Jersey state income tax | 10.75% |
Visio Lending strengths in New Jersey
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including New Jersey. Visio Lending is based in Austin, TX and operates nationally.
Newark is the top investor market in New Jersey and falls within Visio Lending national coverage. Newark property tax follows the New Jersey state rate of 2.5 percent. Visio Lending typically underwrites Newark acquisitions at standard rate sheets.
Yes. Jersey City ranks among the larger New Jersey investor metros and sees consistent DSCR loan volume from Visio Lending. Submarket variation within Jersey City matters for property selection.
Visio Lending applies the same rate sheet across New Jersey metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Newark, Jersey City, and Atlantic City 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.
New Jersey property tax highest in nation. DSCR economics tight. Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in New Jersey.
New Jersey allows standard DSCR prepay structures; Visio Lending typically uses 3-5 year step down.
Visio Lending typical close: 21-30 days typical.
Bottom line
Visio Lending in New Jersey works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Visio Lending.