Visio Lending for Virginia 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.
Virginia context
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA).
How Visio Lending positions in Virginia
The Virginia lender pool for DSCR includes Visio Lending among the active platforms. Virginia top metros (Virginia Beach, Richmond, Norfolk) see meaningful Visio Lending loan volume.
City-level coverage in Virginia
Visio Lending provides DSCR coverage across Virginia metros including Virginia Beach, Richmond, and Norfolk. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Visio Lending program terms apply uniformly across Virginia 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 |
| Virginia property tax | 0.9% |
| Virginia state income tax | 5.75% |
Visio Lending strengths in Virginia
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including Virginia. Visio Lending is based in Austin, TX and operates nationally.
Virginia Beach is the top investor market in Virginia and falls within Visio Lending national coverage. Virginia Beach property tax follows the Virginia state rate of 0.9 percent. Visio Lending typically underwrites Virginia Beach acquisitions at standard rate sheets.
Yes. Richmond ranks among the larger Virginia investor metros and sees consistent DSCR loan volume from Visio Lending. Submarket variation within Richmond matters for property selection.
Visio Lending applies the same rate sheet across Virginia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Virginia Beach, Richmond, and Norfolk 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.
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA). Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in Virginia.
Virginia 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 Virginia 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.