Visio Lending
Visio was one of the first lenders to build a dedicated program for short-term rental investors. Their Rental 360 product accepts both AirDNA projections and 12-month actual Airbnb/VRBO revenue, which means you can finance a new STR purchase based on market data before you have any booking history. They are entity-friendly and work well for investors who hold properties in LLCs. No foreign national program.
- Pioneer in STR-specific DSCR lending
- Accepts AirDNA projections or 12-month actual revenue
- Entity/LLC-friendly from day one
- 5-4-3-2-1 prepayment schedule (clear and predictable)
Loan requirements
| Minimum DSCR | 1 (above median of 0.75) |
| Minimum FICO | 680 (above median of 660) |
| Max LTV (purchase) | 80% |
| Max LTV (cash-out) | 75% |
| Min loan amount | $75,000 |
| Max loan amount | $2,000,000 |
| Prepayment penalty | 5-4-3-2-1 |
| BRRRR seasoning | Not disclosed |
Programs and coverage
| Short-term rentals (STR) | Yes (income via airdna or 12mo actual) |
| Foreign nationals | No |
| State coverage | ~46 states + DC, excludes AK, NV, ND, SD |
| Channel | Direct to investor and wholesale |
Best for
- Short-term rental (Airbnb/VRBO) investors
- Investors in low-cost Midwest and Southern markets
How Visio Lending compares
Across the 16 DSCR lenders in our database:
- DSCR floor of 1 is stricter than the median (0.75). You need a healthier cash-flowing property to qualify here.
- FICO minimum of 680 is above the median (660), so they are more selective on credit.
- 80% max LTV is standard for the DSCR market. Most mainstream lenders cap at 80%.
- STR program available. 12 of 16 lenders in our dataset accept short-term rentals.
For a full side-by-side comparison, see the lender comparison matrix. Or use the DSCR loan qualifier to find which lenders match your specific deal.
Run your numbers
Before reaching out to Visio Lending, model your deal:
- DSCR Calculator to verify your property's debt service coverage ratio
- DSCR Loan Calculator to estimate monthly payments and qualification
- Airbnb/STR DSCR Calculator to model short-term rental income scenarios
- Cash-Out Refi Calculator to see how much equity you can pull out
Frequently asked questions
Is Visio Lending a good DSCR lender?
Visio Lending is a legitimate DSCR lender with terms last verified on 2026-06-11. Whether they are a good fit depends on your specific deal. Their 1 DSCR floor is stricter than the market median of 0.75. Compare their terms against 2-3 other lenders before committing.
What is the minimum credit score for Visio Lending?
Visio Lending requires a minimum FICO score of 680. This is within the standard range for DSCR lenders. Higher scores (740+) will qualify for better rates and higher LTV.
Does Visio Lending do short-term rental loans?
Yes, Visio Lending offers DSCR loans for short-term rentals (Airbnb, VRBO). They verify STR income using airdna or 12mo actual. STR programs typically come with slightly lower max LTV and potentially higher DSCR requirements compared to long-term rental programs.
Does Visio Lending work with foreign national investors?
No, Visio Lending does not currently offer a foreign national program. For FN lending, consider Griffin Funding, A&D Mortgage, or CoreVest Finance.
What states does Visio Lending lend in?
Visio Lending's coverage: ~46 states + DC, excludes AK, NV, ND, SD. DSCR lender state coverage changes over time based on licensing and regulatory requirements. Always confirm your state is covered before starting an application.
What is the prepayment penalty at Visio Lending?
Visio Lending's prepayment penalty structure is: 5-4-3-2-1. A 5-year step-down means the penalty decreases each year. On a $300,000 loan, that is $15,000 in year one, $12,000 in year two, and so on.