Lender profile
Visio Lending
hard money · Austin, TX · founded 2011
Verified Sep 17, 2026
Visio Lending is a dedicated DSCR shop covering both long-term and short-term rental underwriting, licensed in 38 states. Loans amortize over 30 years, with a 1.00 minimum DSCR, a 680 minimum credit score, and LLC-only origination; loan sizes run $75,000 to $2,000,000 at up to 80% LTV. Visio Lending is a hard money lender, founded in 2011, headquartered in Austin, TX, describing its footprint as "National".
For a rental investor, the products on file are rental DSCR, STR DSCR. On the deal itself, Visio Lending publishes loan sizes from $75,000 to $2,000,000 and leverage up to 80% LTV / 85% LTC.
No SEC filing establishes a corporate-ownership relationship for Visio Lending— the ordinary case for a privately held company with no public debt or equity outstanding, not a sign of anything irregular. Its published lending figures were last checked against a source it published on Sep 17, 2026.
Published facts
Loan size
$75,000 – $2,000,000
Max LTV
80%
Max LTC
85%
Min credit score
680
Min DSCR
1.00
Rate range
6.75% – 9.5%
Points
1 – 3
States covered
38
Entity
LLC or entity required
Terms
30-year amortization
Close time
21-30 days typical
Verification record
Reviewed Sep 25, 2026
⬜ No SEC filing to check against — Visio Lending is privately held and files nothing with the SEC under its own name, or no filing naming it was found. This is the expected, normal case for the large majority of lenders on this site, not a red flag.
Zero SEC full-text search hits for Visio Lending in any filing form.
✅ Published criteria verified — Sep 17, 2026.
⬜ Regulatory complaint check — not yet run.
What Visio Lending has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask Visio Lending about, not as a criticism. Of the 11 criteria categories this directory tracks, Visio Lending has not published 1:
- Origination channel (17 of 38 lenders here publish it)
Products
- rental DSCR — a 30-year rental loan qualified on the property's own rent-to-payment ratio rather than the borrower's tax returns See the glossary entry.
- STR DSCR — DSCR underwriting built specifically for short-term rentals, typically run on platform income rather than a long-term lease See the glossary entry.
Strengths
- Dedicated long-term and short-term rental DSCR underwriting
- 38-state coverage
- 30-year amortization
- LLC-only origination
Who this lender suits
An LLC-titled long-term or short-term rental investor who qualifies at a 1.00 DSCR and a 680+ credit score, in one of Visio's 38 covered states
Deal scenarios Visio Lending clears
Visio Lending's published criteria clear 7 of the 119 deal scenarios this site tests — computed the same way every /loan-for/ page computes its own roster, from the stored fields above, not curated by hand. A scenario only counts here if its numeric rules actually narrowed the lender pool; scenarios that match on product tags alone are left out.
Cash flow and DSCR (1)
Purpose and structure (4)
Leverage and pricing (2)
How Visio Lending compares
Visio Lending is not among the 9 lenders this site runs head-to-head comparison pages for — that roster is chosen by brand-name search volume in Search Console, not by hand-picking who looks good next to whom. The full directory lets you set Visio Lending's published figures side by side with any other lender's profile directly. Open the directory.