Flexible Financing Solutions Built for Real Estate Investors

From DSCR loans tailored support, our services are designed to help your rental property portfolio with speed and simplicity.

Designed To Help You Scale

our services

As the nation’s largest independent originator of DSCR loans, Visio Lending specializes in investment property financing for both short- and long-term residential properties.

Short-Term Rentals

Every short-term rental deal tells a story. We understand the nuances of STR income and take a holistic view that considers your strategy and market context to structure loans built for success.

Qualify based on our proprietary in-house STR projection model
Purchases, cash-out refinances and rate-and-term refinances
Fixed-rate, ARMs, fully amortizing or interest-only
Option to borrow under an LLC, corporate entity or personal name

Explore STR Options

Long-Term Rentals

Whether you’re purchasing, refinancing or leveraging your existing properties, a DSCR loan from Visio is designed to align with your goals to support long-term growth.

No personal income verification
Purchases, cash-out refinances and rate-and-term refinances
Fixed-rate, ARMs, fully amortizing or interest-only
No prepayment penalty option available

Explore LTR Options

Where We Lend

We offer DSCR loans in 41 states, including Washington D.C., for both short- and long-term investment properties.

Check Your State’s Requirements

Designed To Help You Scale

SERVICES EXPLAINED

Short-Term Rentals

With over a decade of experience funding short-term rental loans, we know STRs are unlike any other investments and require a specialized lender. From coastal Airbnb’s to mountain cabins, our short-term rental program looks beyond appraisals to assess property performance, market context and your investment goals. Our STR DSCR Loans focus on property cash flow, not individual income, meaning no tax returns, W-2s, DTI or personal income verification are required. It’s all part of why new and experienced investors choose Visio for short-term rental financing.

Short-Term Rental Program Highlights:

Qualify based on our proprietary in-house STR projection model
Up to 80% LTV
Minimum 680 credit score
No rate or LTV adjustments for vacant properties

Long-Term Rentals

Long-term rentals are the foundation of many successful real estate portfolios and financing them requires a lender who specializes in rental properties. Visio’s Long-Term Rental DSCR Program offers flexible solutions that align with your goals, from first-time purchases to refinances and portfolio expansion. We focus on property cash flow, not personal income, helping you finance more efficiently, and growing your portfolio faster.

Long-Term Rental Program Highlights:

Qualify based on property cash flow
Up to 80% LTV
Minimum 680 credit score
Built for portfolio expansion and financing multiple properties

Testimonials

I just closed a DSCR loan with Visio Lending. I had compared multiple lenders prior, and Visio provided by a wide margin the best terms for my situation. Tri Le (Loan Specialist) and Angela Clayton (Senior Loan Processor) made every aspect of this process very smooth and simple, from the application to closing. Communication was always prompt and clear, and it was a positive experience throughout. I would highly recommend Visio for any DSCR loan needs.

David Chen

Google Review, 10/27/2025

This is our second time using Visio and I will continue to go back to them in the future. Their service was top tier and the process was smooth even with a tight timeline.

Jen Weston

Google Review, 8/20/2025

I have used Visio now for six years and many DSCR loans. Always a very attentive staff, they work efficiently. Rates are good and always very competitive. Nice to be able to get WRITTEN loan estimates to review!

Rob Thornton

Google Review, 6/29/2025

I was introduced to Visio Lending by Brad Cullipher at American Capital Home Loans and ended up working with Freddy Colon on a DSCR loan for a rural property in Wimberley, Texas. Freddy was fantastic to work with — super helpful, quick to respond, and made the whole process incredibly smooth. I honestly couldn’t recommend him more.

This was hands down the best experience I’ve ever had with a lender. DSCR loans can sometimes be a bit tricky, but Visio Lending made it easy from start to finish. Freddy and his team handled everything so efficiently, and the entire process was straightforward and stress-free.

I was really impressed with the whole Visio Lending crew. If you’re in the market for financing — especially a DSCR loan — I highly recommend giving Freddy Colon a call. I’ll definitely be working with them again in the future.

Todd Nasca

Google Review, 6/10/2025

Brandon and Jordan made the reality of our first investment property happen for us. I am so thankful for their help and guidance. It felt like they truly cared about us as people and we were not just a number. They are amazing to work with and I highly recommend them. I hope to use them again in the future for my next one 🙂 thank you!

Meredith Ries

Google Review, 5/30/2025

Visio lending does have the best DSCR loans for investors and can do large cashouts. They do underwrite unique properties like the ones with ADUs in away from town and on septic. Mark and Carissa are amazing and working on my third cashout refinance with them.

Jaisheel Prakash

Google Review, 2/3/2025

Visio Lending is the Best for DSCR Loans!

When it comes to DSCR loans, Visio Lending is simply the best. I’ve had the privilege of working closely with Tracy, who is an outstanding loan officer. Tracy’s combination of excellent rates, unmatched service, and unwavering attentiveness makes every transaction a smooth and successful experience.

Also thank you to Tracy’s assistant, Melissa, who ensures every detail is handled with care and efficiency. Together, they create a powerhouse team that consistently exceeds expectations.

I absolutely love working with Visio Lending and highly recommend them to anyone in need of a lender that prioritizes client success. They truly stand out in the industry!

Jordan

Google Review, 1/8/2025

Visio Lending has been an outstanding partner for our rental business. Their expertise in DSCR programs and market-leading rates make them a top choice. On top of that, their team is incredibly motivated and supportive. Sergio Leyva, in particular, went above and beyond, working tirelessly to secure the best rates for us and even assisting with external participants. We've successfully completed two deals with Visio Lending so far and look forward to many more in the future. Thank you, Visio team!

Gautam Tulsian

Google Review, 1/2/2025