Visio Lending for Utah 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.
Utah context
Utah low property tax. Strong job growth. Ski STR (Park City) and southern Utah STR (St. George/Zion).
How Visio Lending positions in Utah
For Utah specifically, Visio Lending fits investors who match the hard money approach. The medium cash flow profile of Utah aggregate makes it workable for Visio Lending.
City-level coverage in Utah
Visio Lending provides DSCR coverage across Utah metros including Salt Lake City, Provo, and St. George. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Visio Lending program terms apply uniformly across Utah 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 |
| Utah property tax | 0.6% |
| Utah state income tax | 4.85% |
Visio Lending strengths in Utah
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including Utah. Visio Lending is based in Austin, TX and operates nationally.
Salt Lake City is the top investor market in Utah and falls within Visio Lending national coverage. Salt Lake City property tax follows the Utah state rate of 0.6 percent. Visio Lending typically underwrites Salt Lake City acquisitions at standard rate sheets.
Yes. Provo ranks among the larger Utah investor metros and sees consistent DSCR loan volume from Visio Lending. Submarket variation within Provo matters for property selection.
Visio Lending applies the same rate sheet across Utah metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Salt Lake City, Provo, and St. George 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.
Utah low property tax. Strong job growth. Ski STR (Park City) and southern Utah STR (St. George/Zion). Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in Utah.
Utah 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 Utah 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.