Visio Lending for North Carolina 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.
North Carolina context
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested.
How Visio Lending positions in North Carolina
Within North Carolina, Visio Lending competes alongside other DSCR lenders. Visio Lending strengths: DSCR specialist, STR-friendly underwriting. The medium aggregate DSCR economics of North Carolina create demand for Visio Lending programs in Charlotte and Raleigh particularly.
City-level coverage in North Carolina
Visio Lending provides DSCR coverage across North Carolina metros including Charlotte, Raleigh, and Greensboro. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Visio Lending program terms apply uniformly across North Carolina 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 |
| North Carolina property tax | 0.8% |
| North Carolina state income tax | 4.5% |
Visio Lending strengths in North Carolina
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including North Carolina. Visio Lending is based in Austin, TX and operates nationally.
Charlotte is the top investor market in North Carolina and falls within Visio Lending national coverage. Charlotte property tax follows the North Carolina state rate of 0.8 percent. Visio Lending typically underwrites Charlotte acquisitions at standard rate sheets.
Yes. Raleigh ranks among the larger North Carolina investor metros and sees consistent DSCR loan volume from Visio Lending. Submarket variation within Raleigh matters for property selection.
Visio Lending applies the same rate sheet across North Carolina metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charlotte, Raleigh, and Greensboro 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.
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested. Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in North Carolina.
North Carolina 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 North Carolina 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.