Visio Lending DSCR 2026: Program Features and How It Compares to Competitors

Visio Lending is a DSCR-only lender focused on long-term single-family and small multifamily rental properties. Unlike broader non-QM lenders, Visio does not originate bank statement or owner-occupied products. Their concentration in rental financing means underwriting is specialized and consistent, and their AEs tend to know the product deeply.

Visio DSCR Program Parameters

• ✦Loan amounts: $75,000 to $2M on SFR; portfolio loans available for larger investors
• ✦FICO minimum: 680 on standard products; 700 on some higher-LTV tiers
• ✦LTV: up to 80% purchase, 75% cash-out refinance on SFR; 70% on 2-4 unit
• ✦DSCR minimum: 1.0 on standard product; below 1.0 DSCR programs available at lower LTV
• ✦Prepayment penalty: step-down options from 5/4/3/2/1 to 3/2/1 depending on rate selection

Short-Term Rental Policy

Visio accepts Airbnb and VRBO income documentation for DSCR qualification on properties with at least 12 months of operating history. They use actual gross rental income from the platform's earnings report, adjusted by their operating expense ratio. Properties without rental history use a market rent analysis from an appraiser. This is more flexible than some competitors who prohibit short-term rental income entirely.

Where Visio Fits vs. Competitors

Visio typically prices competitively on clean investment property files with FICO 720+ and DSCR above 1.2. For files with FICO below 680 or DSCR below 1.0, Lima One, Kiavi, or Angel Oak may offer better pricing or more flexibility. Visio's strength is in straightforward long-term rental files where their underwriting speed and rental property specialization show. They also offer blanket loans for investors with 5+ properties, which is an advantage for scaling clients.