Visio Lending (visiolending.com) provides fast, simple and dependable real estate investment loans for single-family and small-balance commercial properties.
Visio is available in 38 states and Washington, D.C., including:
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Florida
- Georgia
- Hawaii
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Missouri
- Montana
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- Ohio
- Oklahoma
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
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Visio Lending Earn $50 Per Qualified Lead
- Tell your network about Visio’s leading Rental360 loan products.
- They will pay you $50 for every qualified lead.
- Sign up for their referral program here.
Visio Lending Features
| Loan Terms | 24 months – 30 years |
| Minimum Property Value | $75,000 |
| Maximum Property Value | $3 million |
| Minimum Credit Score | 680 |
| Funding Time | Within 21 business days for closing Within 24 hours of closing for purchases Within 48 hours of closing for refinances |
| Documents Needed | 2 forms of ID 1 tri-merged credit report with 2 credit scores Appropriate insurance Title policy Down payment & a voided check (for purchases) 1 executed copy of the lease (if occupied) Bank statements (last 2 months) |
Visio Lending is a hard money lender that offers single-rental, blanket and bridge loans for permanent rentals, transitional rentals and vacations rentals. Available loan products include the Rental360, vacation rental lending program, and the commercial property loan program.
Qualification is based on property cash flow. Visio doesn’t look at your personal income to determine eligibility. Rather, the lender considers the monthly cash flow generated by the property compared to the debt using a metric called Debt-Service Coverage Ratio (DSCR).
Protect your personal identity and assets. Visio also lets you take out loans under your business name, so you can protect your identity and shield your assets from creditors.
Visio Rental360
Visio Rental360 was created specifically for rental property investors. Features include:
- No balloon payment
- Up to 80% Loan-to-Value (LTV) for purchase loans
- Up to 75% LTV for refinancing loans
If you want to close on up to eight properties with only one closing and one monthly payment, you should consider the Rental360 Plus Program, available as a 30-year fixed, a 5/1ARM or a 7/1 ARM loan.
Vacation Rentals
The Visio vacation rental lending program was designed for cashing out, refinancing or purchasing a vacation rental property. The loan can be used for a single home or a portfolio of properties. Features include:
- No balloon payment
- Up to 75% LTV for purchase loans
- Up to 70% LTV for refinancing loans
Commercial Properties
The Visio commercial property loan program is ideal for those seeking to include multi-family and mixed-use properties in their growing portfolio. Features include:
- Loan amounts from $300,000 to $3 million
- No balloon payment
- Up to 75% LTV
Visio Lending Fees
Visio Lending fees vary from loan to loan. Factors include your credit score, Debt Service Coverage Ratio (DSCR), and Loan-to-Value (LTV).
| Origination Fees | 1% – 2.5% |
| Interest Rate | 6% – 12.5% |
| Closing Costs | 2% – 5% |
Bottom Line
Visio Lending specializes in rental property loans, qualifying borrowers based on property cash flow, rather than personal income. It’s a solid hard money solution if you’re looking to refinance or grow your rental portfolio.
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