Visio DSCR Rental Loan
Program type: dscr
DSCR rules
- Minimum DSCR
- n/a
- Sub-1.0 DSCR allowed
- No
- Sub-1.0 floor
- n/a
- No-ratio option
- No
- No-ratio max LTV
- n/a
Credit and leverage
- Minimum FICO
- 680
- Max LTV, purchase
- 80%
- Max LTV, rate/term
- 80%
- Max LTV, cash-out
- n/a
- Loan amount
- $75,000 to n/a
Geography and collateral
- States
- Not published
- Property types
- Single-family, 2-4 units
- Short-term rentals
- Yes
- STR minimum DSCR
- n/a
- Rural allowed
- Not published
- Max acres
- Not published
- Min square feet
- Not published
Borrower rules
- Entity (LLC) borrowers
- Yes
- Individual borrowers
- Yes
- Foreign nationals
- No
- ITIN borrowers
- No
- First-time investors
- Yes
- Minimum experience
- Not published
- Cash-out seasoning
- Not published
- Reserves
- 6 months
- Max loans per borrower
- Not published
Terms
- Prepay options
- Not published
- Prepay required
- Not published
- Interest-only
- Not published
- Terms
- 30 yr
- Rate types
- 30-yr fixed
Provenance
- Source
- Program page
- Document
- None public
- Source retrieved
- Oct 4, 2026
- Last verified
- Not yet verified by a human
- Auto-checked
- Oct 4, 2026, matched the source
Research notes
FOUND on visiolending.com: minimum credit score 680 (lending-process page: 'we require a minimum credit score of 680', median of three bureaus, primary guarantor scored for entity borrowers; also in the short-term rental guide); purchase and refinance loans up to 80% LTV (broker program guide and short-term rental guide; recorded as purchase and rate-term, cash-out not separately stated so left null); minimum loan $75,000 and minimum property value $150,000 (short-term rental guide, stated for vacation rentals); 30-year fixed, no balloon; borrow under an LLC or corporation; 1-4 unit single-family residential and vacation rentals; home page map footnotes: entity REQUIRED in GA, HI, IL, MA, NJ, NY, PA and VA, and zero prepayment penalty required in NM, OH, MD, PA and RI. NOT FOUND: minimum DSCR (the DSCR guide only says investors 'should target' 1.2, which is advice, not a floor), sub-1.0 or no-ratio options, maximum loan, state footprint (the 'Where We Lend' map is interactive and its active-state list is not in the HTML text), reserves, seasoning, prepay structures offered, interest-only, ARMs, foreign national or ITIN policy, first-time investor policy. Booleans for sub-1.0, no-ratio, foreign national and ITIN are false and individual/first-time are true by the silence rule. Minimum tradeline requirements exist but are not quantified publicly; rate sheets are behind the broker portal.