Published terms, read October 29, 2026

Visio Lending vs Asset Based Lending: published loan terms side by side

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

Compare with your deal All lenders compared

Visio Lending

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

Direct private real estate lender based in Jersey City, New Jersey, founded in 2010 (NMLS #2449622). It funds fix and flip, new construction and bridge loans in-house; its DSCR rental loans are brokered to third-party capital partners.

The differences that change a deal

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

DSCR rental loans

From each lender's own site, read October 29, 2026. Conditions for each figure are on the lender pages.
Term	Visio Lending	Asset Based Lending
Loan amount	From $75,000 (maximum not published)	$85,000 to $2,500,000
Max LTV (purchase)	Up to 85% LTV on a purchase	Up to 80% LTV
Min FICO	680	660
Min DSCR	Not published	1.00x
Experience	Not published	Not required (first-time and experienced investors)
Property types	Single family rentals, long-term and short-term	Single family, 2-4 units, condos (also 5-9 units)

Asset Based Lending also publishes fix and flip loans; Visio Lending does not. Asset Based Lending also publishes ground-up construction loans; Visio Lending does not.

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
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
Asset Based Lending	42 states and Washington, DC per its published list (the same page says '43 states'). Not on the list: AK, HI, MT, NV, ND, SD, UT, VT. [src][src]	Business entity required. Title must be held in an LLC or corporation; a personal guarantee is required from all principals. [src][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 29, 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
Visio Lending	From $75,000 (maximum not published)	Up to 85% LTV on a purchase	680	Not published	Not published	[1][2][3][4]
Asset Based Lending	$85,000 to $2,500,000	Up to 80% LTV	660	1.00x	Not required (first-time and experienced investors)	[1][2]

If neither fits

Sources

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.
ABL: Company and loan program overview (updated Sept 30, 2026). Read October 29, 2026.
ABL: DSCR rental loans. Read October 29, 2026.
ABL: Fix and flip loans. Read October 29, 2026.
ABL: New construction loans. Read October 29, 2026.
ABL: Bridge loans. Read October 29, 2026.
ABL: Where we lend. Read October 29, 2026.
ABL: FAQs. Read October 29, 2026.