Visio Review

Our Summary

Best for rental properties
Cash-flow based underwriting process
Interest rates starting at 5.2%

Visio Lending is one of the leading lenders to rental property investors in the U.S. The company exclusively underwrites rental properties, which can include single family, portfolios, vacation rentals and commercial. Because Visio is directly underwriting its loans, you should expect to get a better loan product and a smoother and quicker borrowing experience.

Visio provides haggle-free pricing with straightforward rate structures. Rather than look at your personal income, Visio is a cash-flow based lender that underwrites the monthly cash flow generated by the property compared to the debt. This is a great feature if you have existing mortgages that increase your debt-to-income ratio. This streamlines the qualification process and doesn’t even require you to provide tax returns. Visio underwrites rental-ready properties, so you should consider a bridge loan if major rehab is required prior to renting.

Loan Types Offered

Rental, Refinance

Property Types

Single Family, Vacation Rental, Commercial

Lending Areas

Visio Lending accepts loan applications in every state except Alaska, Arizona, Delaware, Idaho, Minnesota, Nebraska, Nevada, North Dakota, Oregon, South Dakota, Rhode Island, and Vermont.