Published terms, read October 24, 2026

Lima One Capital vs Visio Lending: published loan terms side by side

Credit on rentals: Lima One publishes a 660 minimum, Visio Lending 680. Below is everything else each one publishes on its own website, term by term.

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Lima One Capital

Investor lender with offices in Greenville, South Carolina and Irvine, California, offering rental, fix-and-flip, construction and multifamily loans.

Visio Lending

Austin-based lender, founded in 2012, that makes DSCR loans only, on long-term and short-term rentals.

The differences that change a deal

Leverage on a rental purchase: up to 80% at Lima One, 85% at Visio Lending, which is 5 points of down payment on the same house.
Lima One publishes terms for fix and flip loans; Visio Lending publishes no terms of its own for them.
Lima One publishes terms for ground-up construction loans; Visio Lending publishes no terms of its own for them.
DSCR floor: Lima One publishes a 1.00x minimum; Visio Lending does not publish a floor, so ask before you order an appraisal.
Smallest DSCR loan: $85,000 at Lima One, $75,000 at Visio Lending.
Borrowing entity: Lima One: LLC or similar entity required for business-purpose rental loans. Visio Lending: optional (LLC or corporation), but required in GA, HI, IL, MA, NJ, NY, PA and VA.

DSCR rental loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	Lima One Capital	Visio Lending
Loan amount	$85,000 to $2,500,000	From $75,000 (maximum not published)
Max LTV (purchase)	Up to 80% LTV (75% cash-out)	Up to 85% LTV on a purchase
Min FICO	660	680
Min DSCR	1.00x	Not published
Experience	Not required	Not published
Property types	Single family, 2-9 units, warrantable condos	Single family rentals, long-term and short-term

Lima One Capital also publishes fix and flip loans; Visio Lending does not. Lima One Capital also publishes ground-up construction loans; Visio Lending does not.

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
Lima One Capital	46 states and Washington, DC. The excluded states are not listed on the pages read. [src]	LLC or similar entity required for business-purpose rental loans. [src]	Eligible for rental, fix-and-flip and construction loans, including borrowers without a US credit score. [src][src][src]
Visio Lending	Described as nationwide; the state map is not published as text. [src]	Optional (LLC or corporation), but required in GA, HI, IL, MA, NJ, NY, PA and VA. [src]	Not published

For reference: our programs next to both

Doors Funded programs are arranged by Janover Capital LLC, which is paid when they close. They are shown separately so the comparison above stays between the two lenders.

DSCR rental loans. Lender figures read October 24, 2026.
Lender	Loan amount	Max LTV (purchase)	Min FICO	Min DSCR	Experience	Source
Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close	$75,000 to $2,000,000	Up to 80% LTV (75% cash-out)	660	1.05x	Not required	terms
Lima One Capital	$85,000 to $2,500,000	Up to 80% LTV (75% cash-out)	660	1.00x	Not required	[1][2]
Visio Lending	From $75,000 (maximum not published)	Up to 85% LTV on a purchase	680	Not published	Not published	[1][2][3][4]

If neither fits

Sources

Lima One: rental loans. Read October 24, 2026.
Lima One: rental loan detail. Read October 24, 2026.
Lima One: fix and flip loans. Read October 24, 2026.
Lima One: fix and flip detail. Read October 24, 2026.
Lima One: new construction loans. Read October 24, 2026.
Lima One: new construction detail. Read October 24, 2026.
Lima One: rental portfolio loans. Read October 24, 2026.
Visio Lending: home page (state notes). Read October 24, 2026.
Visio Lending: 85% LTV purchase loans. Read October 24, 2026.
Visio Lending: long-term rental guide. Read October 24, 2026.
Visio Lending: DSCR loans. Read October 24, 2026.