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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.
- First DSCR lender 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 or credit report needed
- 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
John Sperling
Senior Account Executive
512-334-1506
john.sperling@visiolending.com
About John Sperling
Meet Your Top DSCR Loan Originator: John Sperling
- Loan Volume Closed: $707 million
- Deals Funded: 2,900+
- Years in the Industry: 24 years in mortgages, with 12 years in investment property lending
- DSCR Loan Focus: Portfolio expansion, repeat investor success and short-term rental financing
- Markets Served: Florida, Georgia, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Tennessee and Texas
- 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 2,900 DSCR loans totaling $707 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 20 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 250 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
512-334-1506
john.sperling@visiolending.com
