Visio Lending for Washington 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.
Washington context
Washington no state income tax (helps DSCR cash flow). Seattle tenant protections. Spokane more affordable.
How Visio Lending positions in Washington
Washington is well covered by national DSCR lenders, with Visio Lending as one option. Where Visio Lending differentiates: DSCR specialist. Where it competes: rates 6.75 to 9.5 percent against peer programs.
City-level coverage in Washington
Visio Lending provides DSCR coverage across Washington metros including Seattle, Spokane, and Tacoma. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Visio Lending program terms apply uniformly across Washington 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 |
| Washington property tax | 1% |
| Washington state income tax | None |
Visio Lending strengths in Washington
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including Washington. Visio Lending is based in Austin, TX and operates nationally.
Seattle is the top investor market in Washington and falls within Visio Lending national coverage. Seattle property tax follows the Washington state rate of 1 percent. Visio Lending typically underwrites Seattle acquisitions at standard rate sheets.
Yes. Spokane ranks among the larger Washington investor metros and sees consistent DSCR loan volume from Visio Lending. Submarket variation within Spokane matters for property selection.
Visio Lending applies the same rate sheet across Washington metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Seattle, Spokane, and Tacoma 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.
Washington no state income tax (helps DSCR cash flow). Seattle tenant protections. Spokane more affordable. Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in Washington.
Washington 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 Washington 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.