Lender Directory / Visio Lending
Visio Lending
A rental-focused DSCR lender with current guidance around 680+ FICO and leverage up to 80% LTV.
Program snapshot
Min. DSCR0.75–0.99 described as acceptable
RatesGet Current Pricing
Max LTVUp to 80%
Min. Credit680+ typical minimum
Loan Amounts$75k minimum; verify current maximum
ClosingConfirm timing for your deal
Single Family2–4 UnitsCondosPUDsShort-Term Rentals (STR)
Primary source: Visio DSCR guidance
Verified highlights
- Current Visio guidance says borrowers typically need 680+ FICO
- Up to 80% LTV
- DSCR calculator describes 0.75–0.99 as an acceptable range
Loan Terms & Transparency
How this loan is actually underwritten
DSCR calculationMonthly rent ÷ PITIA
PITIA includes principal, interest, taxes, insurance and association dues.
Rent sourceLease and market rents for long-term rentals
Short-term rentals may use historical rental income or market-based projections.
AppraisalVisio orders the appraisal
A property appraisal is required. Public materials reviewed do not establish a universal AMC/direct policy or transfer policy.
Lender feesPoints are a pricing variable; full fee schedule not publicly disclosed
Visio's broker portal lets users adjust lender discount points and YSP when pricing a loan.
Prepayment5/4/3/2/1, 3/2/1 or 3/0/0 shown in broker pricing
Changing the PPP structure can change preliminary pricing.
What can affect termsLTV, PPP, points, rent, value and credit
Visio labels portal pricing preliminary and non-binding until the file is verified.
Last verified: Aug. 23, 2026 · Sources: DSCR guide · Broker portal guide
Best fit
- Buy-and-hold investors
- DSCR-focused borrowers
- Short-term rentals
What to verify
- Public pages do not provide a current universal loan-size range.
- Exact DSCR, leverage and pricing depend on the full scenario.