Visio Lending Review 2025
BridgeRate Pro Rating: ⭐⭐⭐⭐½ 4.7/5 — Visio Lending is the nation’s leading lender for DSCR (Debt Service Coverage Ratio) rental property loans. Unlike traditional hard money, Visio qualifies investors based on the property’s rental income — not personal income. Perfect for buy-and-hold investors building a portfolio.
| Feature | Details |
|---|---|
| Rates From | 7.75% (30-yr fixed) |
| Loan Amounts | $100,000 – $3M |
| Max LTV | 80% |
| Min Credit Score | 680 |
| Loan Terms | 30-yr fixed, 5/1 ARM, 7/1 ARM |
| States Active | 46 states |
| Min DSCR | 1.0x (1.25x preferred) |
| Portfolio Loans | Yes — up to 10 properties |
Visio Lending Pros
- No personal income verification — qualifies on rent income only
- 30-year fixed rates available for long-term stability
- Portfolio loans for investors with multiple properties
- Available in 46 states — widest coverage in the industry
- Short-term rentals (Airbnb/VRBO) accepted
Visio Lending Cons
- Higher credit score requirement (680+)
- Not for fix-and-flip — rental/stabilized properties only
- Minimum DSCR of 1.0x (property must at least break even)
Who Is Visio Best For?
Visio is the go-to lender for buy-and-hold investors, BRRRR investors after the refinance step, and anyone building a rental portfolio. If your property has solid rent income and you want long-term 30-year financing without income docs, Visio is the best option in the market.