Visio Lending for Pennsylvania 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.
Pennsylvania context
Pennsylvania low state income tax. Philadelphia rowhouse and Pittsburgh markets produce strong DSCR cash flow.
How Visio Lending positions in Pennsylvania
For Pennsylvania specifically, Visio Lending fits investors who match the hard money approach. The high cash flow profile of Pennsylvania aggregate makes it a target market for Visio Lending.
City-level coverage in Pennsylvania
Visio Lending provides DSCR coverage across Pennsylvania metros including Philadelphia, Pittsburgh, and Allentown. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Visio Lending program terms apply uniformly across Pennsylvania 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 |
| Pennsylvania property tax | 1.6% |
| Pennsylvania state income tax | 3.07% |
Visio Lending strengths in Pennsylvania
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including Pennsylvania. Visio Lending is based in Austin, TX and operates nationally.
Philadelphia is the top investor market in Pennsylvania and falls within Visio Lending national coverage. Philadelphia property tax follows the Pennsylvania state rate of 1.6 percent. Visio Lending typically underwrites Philadelphia acquisitions at standard rate sheets.
Yes. Pittsburgh ranks among the larger Pennsylvania investor metros and sees consistent DSCR loan volume from Visio Lending. Submarket variation within Pittsburgh matters for property selection.
Visio Lending applies the same rate sheet across Pennsylvania metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Philadelphia, Pittsburgh, and Allentown 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.
Pennsylvania low state income tax. Philadelphia rowhouse and Pittsburgh markets produce strong DSCR cash flow. Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in Pennsylvania.
Pennsylvania 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 Pennsylvania 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.