Visio Lending for New Mexico 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 Mexico context
New Mexico steady DSCR. Santa Fe historic STR market.
How Visio Lending positions in New Mexico
For New Mexico specifically, Visio Lending fits investors who match the hard money approach. The medium cash flow profile of New Mexico aggregate makes it workable for Visio Lending.
City-level coverage in New Mexico
Visio Lending provides DSCR coverage across New Mexico metros including Albuquerque, Santa Fe, and Las Cruces. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Visio Lending program terms apply uniformly across New Mexico 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 Mexico property tax | 0.8% |
| New Mexico state income tax | 5.9% |
Visio Lending strengths in New Mexico
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including New Mexico. Visio Lending is based in Austin, TX and operates nationally.
Albuquerque is the top investor market in New Mexico and falls within Visio Lending national coverage. Albuquerque property tax follows the New Mexico state rate of 0.8 percent. Visio Lending typically underwrites Albuquerque acquisitions at standard rate sheets.
Yes. Santa Fe ranks among the larger New Mexico investor metros and sees consistent DSCR loan volume from Visio Lending. Submarket variation within Santa Fe matters for property selection.
Visio Lending applies the same rate sheet across New Mexico metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Albuquerque, Santa Fe, and Las Cruces 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 Mexico steady DSCR. Santa Fe historic STR market. Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in New Mexico.
New Mexico allows standard DSCR prepay structures; Visio Lending typically uses 3-5 year step down.
Visio Lending typical close: 21-30 days typical.
Bottom line
New Mexico 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.