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Leverage Your Rental Portfolio With Visio

Thousands of real estate investors and brokers nationwide trust Visio Lending as their go-to DSCR partner. Join them today.

Specialized with 12 years of direct lending experience.
Asset-based loans – No employment verification, income qualification, DTI calculations, tax returns or 4506 required.
Light documentation – No tax returns, income verification.
Specialize in short- and long-term rentals – Rent-ready properties, 1–4 unit residential.
Flexible loan options – 30-year fixed, 5/6 and 7/6 ARM (30-year amortization), 10-year interest-only.
DSCR EXPERTISE – End-to-end personalized customer service with loan officer specialized in DSCR loans.
Qualify on DSCR, not personal income.
Up to 80% LTV.
45-day free rate locks available, Competitive rates for investors and brokers.
One-stop-shop leader for BRRRR Loans.

Bio
Reviews

John Sperling

Senior Account Executive

Phone:

512-334-1506

Email:

john.sperling@visiolending.com

About John Sperling

Meet Your Top DSCR Loan Originator: John Sperling

Education: B.A. in English Literature and Creative Writing, University of Southern California
Personal Interests: Live music, horseback riding and spending time with his six granddaughters

What Makes John a Top DSCR Loan Originator

John Sperling is one of the most experienced DSCR loan originators in the industry today. Having funded over 3,900 DSCR loans totaling more than $750 million, he’s assisted clients in scaling portfolios of all sizes, from first-time investors to repeat borrowers with numerous deals. In fact, one of John’s clients has completed 76 loans with him since 2017. That level of trust doesn’t occur by accident; it’s built on decades of dedication, honesty and results.

John began his lending career more than 25 years ago, eventually shifting his focus exclusively to DSCR loans in 2013 when he joined Visio Lending. He was part of the team that pioneered the short-term rental loan product in 2016 and has remained a trusted voice in the industry ever since.

Named a 2025 Top Producer by National Mortgage News, John ranked No. 25 out of 90,000 mortgage originators nationwide. It’s a testament to both his experience and his clients’ continued success.

Whether you’re a brand-new investor seeking step-by-step guidance or an experienced borrower looking for speed, scale and strategic insight, John’s approach remains consistent: set clear expectations, maintain transparency and always do the right thing.

John Sperling

Senior Account Executive

Phone:

512-334-1506

Email:

john.sperling@visiolending.com

Raymond K.

Thank you, John Sperling and the Visio Team, for your continued support and excellent work and assistance which allows me to make all my client's transactions a huge success.It is always a pleasure to work with you and Visio and I look forward to doing a lot more business with you in 2024 and years to come.I have enjoyed working with you the past 9 years and look forward to working with you in the future.

Jeremiah B.

Visio Lending is a awesome company to deal with the workers are respectable dependable resourceful and honest I appreciate one person in particular John Sperling for helping me every step of the way communicating with me every step of the way thank you John Sperling and Visio Lending for every thing.

Mike S.

Well this company is the best and the only one I would ever use. This like my 70 loan with them and my rep is awesome JOHN SPERLING.

Robert L.

John sperling is an awesome Account executive! He is super knowledgeable and helpful. Visio's process for DSCR loans is awesome and smooth along with great rates and option.

William S.

Well this company is the best and the only one I would ever use. This like my 70 loan with them and my rep is awesome JOHN SPERLING.

Sindy B.

Highly Recommend! The Visio team as a whole has been so easy to work with, a special thank you to John, Sierra, Kailey, Victoria, Janice, and Kenyetta.