Visio Lending for West 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.
West Virginia context
West Virginia deep cash flow market. Low entry prices.
How Visio Lending positions in West Virginia
The West Virginia lender pool for DSCR includes Visio Lending among the active platforms. West Virginia top metros (Charleston, Morgantown, Huntington) see meaningful Visio Lending loan volume.
City-level coverage in West Virginia
Visio Lending provides DSCR coverage across West Virginia metros including Charleston, Morgantown, and Huntington. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Visio Lending program terms apply uniformly across West 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 |
| West Virginia property tax | 0.6% |
| West Virginia state income tax | 5.12% |
Visio Lending strengths in West Virginia
- DSCR specialist
- STR-friendly underwriting
- tech-forward
Ideal borrower: Long-term rental and STR-focused investor
FAQ
Yes, operates nationally including West Virginia. Visio Lending is based in Austin, TX and operates nationally.
Charleston is the top investor market in West Virginia and falls within Visio Lending national coverage. Charleston property tax follows the West Virginia state rate of 0.6 percent. Visio Lending typically underwrites Charleston acquisitions at standard rate sheets.
Yes. Morgantown ranks among the larger West Virginia investor metros and sees consistent DSCR loan volume from Visio Lending. Submarket variation within Morgantown matters for property selection.
Visio Lending applies the same rate sheet across West Virginia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charleston, Morgantown, and Huntington 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.
West Virginia deep cash flow market. Low entry prices. Visio Lending follows standard business-purpose loan structures.
Visio Lending funds rental DSCR, STR DSCR in West Virginia.
West 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
Visio Lending in West Virginia 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.