Visio Lending

Rental-loan specialist with useful program education but limited current public thresholds.

Visio publishes rental-focused fixed, ARM, and interest-only structures, while detailed cash-out criteria require program confirmation.

71% current and rankable evidence1 published program variantLast reviewed 2026-08-09Ranked #7 of 8 · 52.2/100

What this lender leads on

No category. On the fields this guide tracks, another lender publishes a stronger figure in every one. That is a statement about published criteria, not about whether this lender fits your deal.

What drove this score

DSCR Accessibility Score 52.2/100 (model accessibility-1.0). Strongest: Rate-and-term LTV, First-time investors, Short-term rentals, Entity or LLC title. Weakest: Maximum loan, Minimum DSCR, Minimum credit score. An unpublished figure scores zero.

Official site Compare with other lenders

Where the evidence is incomplete

Fields below are reported exactly as published. Nothing is estimated, inferred, or filled in from a competitor.

7 not published1 varies

Critical gaps: Minimum DSCR, Minimum loan, Maximum loan

Qualification

Minimum DSCR: Not publishedNot publishedVerified 2026-08-09Visio Lending, Visio LendingNo universal current minimum is published.
No-ratio path: Not publishedNot publishedVerified 2026-08-09Visio LendingNo current value was found on the reviewed official sources.
Minimum credit score: 680VerifiedVerified 2026-08-09Visio Lending
First-time investors: trueVerifiedVerified 2026-08-09Visio LendingThe current DSCR guide expressly addresses first-time investors.
Foreign nationals: Not offeredNot offeredVerified 2026-08-09Visio LendingVisio does not lend to foreign nationals or non-permanent-resident aliens.

Leverage

Purchase LTV: 80%VerifiedVerified 2026-08-09Visio Lending
Rate-and-term LTV: 80%VerifiedVerified 2026-08-09Visio Lending
Cash-out LTV: 75%VerifiedVerified 2026-08-09Visio Lending
Minimum loan: Not publishedNot publishedVerified 2026-08-09Visio LendingNo current value was found on the reviewed official sources.
Maximum loan: Not publishedNot publishedVerified 2026-08-09Visio LendingNo current value was found on the reviewed official sources.
Reserves: 6 monthsVerifiedVerified 2026-08-09Visio Lending
Seasoning: 30 daysVerifiedVerified 2026-08-09Visio LendingVisio publishes a 30-day ownership seasoning requirement for cash-out refinance.

Eligibility

Property types: single-family, two-to-four, condo, townhome, short-term-rentalVerifiedVerified 2026-08-09Visio Lending, Visio Lending
Short-term rentals: trueVerifiedVerified 2026-08-09Visio Lending
Entity or LLC title: trueVerifiedVerified 2026-08-09Visio Lending
States: 42 states including DCVerifiedVerified 2026-08-09Visio LendingCurrent location inventory covers 41 states plus Washington, D.C.

Structures

Fixed rate: trueVerifiedVerified 2026-08-09Visio Lending
Adjustable rate: trueVerifiedVerified 2026-08-09Visio Lending
Interest only: trueVerifiedVerified 2026-08-09Visio Lending
Prepayment terms: Varies — confirm with lenderVaries by scenarioVerified 2026-08-09Visio LendingProgram-specific; confirm the current scenario with the lender.

Pricing and process

A published starting rate is a marketing floor, not a quote, and is never used here to declare a pricing winner.

Published starting rate: Not publishedNot publishedVerified 2026-08-09Visio LendingNo current value was found on the reviewed official sources.
Fees: Not publishedNot publishedVerified 2026-08-09Visio LendingNo current value was found on the reviewed official sources.
Typical closing time: 30 daysVerifiedVerified 2026-08-09Visio LendingVisio states that it aims to close within 30 days; not a guarantee.
Rate lock period: 45 daysVerifiedVerified 2026-08-09Visio LendingThe current broker page publishes free 45-day rate locks.
Published process detail: trueVerifiedVerified 2026-08-09Visio Lending, Visio Lending, Visio Lending

Published program variants

Rental360

Long-term rental financing with broker-supported vacation-rental options.

Minimum DSCR: Not publishedNot publishedVerified 2026-08-09Visio Lending, Visio LendingThe lender discusses sub-1.0 cases but does not publish a universal floor.
Minimum credit score: 680VerifiedVerified 2026-08-09Visio Lending
Maximum LTV: 80%VerifiedVerified 2026-08-09Visio Lending
Interest only: trueVerifiedVerified 2026-08-09Visio Lending
Foreign nationals: Not offeredNot offeredVerified 2026-08-09Visio LendingVisio states that it does not lend to foreign nationals or non-permanent-resident aliens.

Strength and trade-off

Strength

Dedicated rental-lending specialization and broker education.

Trade-off

A universal DSCR floor, complete loan range, lender fees, and prepayment menu remain unpublished.

These are editorial summaries of the published evidence above. They are not a ranking, a recommendation, or a statement that any lender is best for a given deal.

Sources

Corporate Site and Licensing Footer — Visio Lending (nmls), accessed 2026-08-09
DSCR Loan Guide — Visio Lending (official lender), accessed 2026-08-09
Rental Loan Broker Program Guide — Visio Lending (official program guide), accessed 2026-08-09
Lending Process — Visio Lending (official lender), accessed 2026-08-09
Structuring DSCR Loans for Portfolio Growth — Visio Lending (official lender), accessed 2026-08-09
DSCR Investor Broker — Visio Lending (official lender), accessed 2026-08-09

Qualification

Minimum DSCR

Not publishedNot publishedVerified 2026-08-09Visio Lending, Visio LendingNo universal current minimum is published.

No-ratio path

Not publishedNot publishedVerified 2026-08-09Visio LendingNo current value was found on the reviewed official sources.

Minimum credit score

680VerifiedVerified 2026-08-09Visio Lending

First-time investors

trueVerifiedVerified 2026-08-09Visio LendingThe current DSCR guide expressly addresses first-time investors.

Foreign nationals

Not offeredNot offeredVerified 2026-08-09Visio LendingVisio does not lend to foreign nationals or non-permanent-resident aliens.

Leverage

Purchase LTV

80%VerifiedVerified 2026-08-09Visio Lending

Rate-and-term LTV

80%VerifiedVerified 2026-08-09Visio Lending

Cash-out LTV

75%VerifiedVerified 2026-08-09Visio Lending

Minimum loan

Not publishedNot publishedVerified 2026-08-09Visio LendingNo current value was found on the reviewed official sources.

Maximum loan

Not publishedNot publishedVerified 2026-08-09Visio LendingNo current value was found on the reviewed official sources.

Reserves

6 monthsVerifiedVerified 2026-08-09Visio Lending

Seasoning

30 daysVerifiedVerified 2026-08-09Visio LendingVisio publishes a 30-day ownership seasoning requirement for cash-out refinance.

Eligibility

Property types

single-family, two-to-four, condo, townhome, short-term-rentalVerifiedVerified 2026-08-09Visio Lending, Visio Lending

Short-term rentals