Published terms, read October 29, 2026
Visio Lending vs Dominion Financial: published loan terms side by side
Leverage on a rental purchase: up to 85% at Visio Lending, 80% at Dominion Financial, which is 5 points of down payment on the same house. Below is everything else each one publishes on its own website, term by term.
The two lenders
Visio Lending
Austin-based lender, founded in 2012, that makes DSCR loans only, on long-term and short-term rentals.
Dominion Financial
Privately held private lender to real estate investors, founded in 2002 and based in Baltimore, Maryland (NMLS 898795). It is the lending arm of The Dominion Group.
The differences that change a deal
- Dominion Financial publishes terms for fix and flip loans; Visio Lending publishes no terms of its own for them.
- Dominion Financial publishes terms for ground-up construction loans; Visio Lending publishes no terms of its own for them.
- DSCR floor: Dominion Financial publishes a 1.00x minimum; Visio Lending does not publish a floor, so ask before you order an appraisal.
DSCR rental loans
| Term | Visio Lending | Dominion Financial |
|---|---|---|
| Loan amount | From $75,000 (maximum not published) | Not published ($100,000 minimum property value) |
| Max LTV (purchase) | Up to 85% LTV on a purchase | Up to 80% LTV on purchases and rate-and-term refinances. Up to 75% on cash-out |
| Min FICO | 680 | 680 (exceptions down to 660) |
| Min DSCR | Not published | 1.00x |
| Experience | Not published | Not published |
| Property types | Single family rentals, long-term and short-term | Single family and 2-10 unit residential. Mixed-use with 2-8 units |
Dominion Financial also publishes fix and flip loans; Visio Lending does not. Dominion Financial 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 |
| Dominion Financial | Every state except Nevada, plus Washington, DC. [src][src][src][src] | The DSCR page lists LLCs and individuals as eligible borrowers. The rate and program disclosures page says loans are made only to business entities. [src][src] | Not addressed on the DSCR product page. The broker-program page says the DSCR loans it arranges suit foreign nationals. [src] |
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.
| 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] |
| Dominion Financial | Not published ($100,000 minimum property value) | Up to 80% LTV on purchases and rate-and-term refinances. Up to 75% on cash-out | 680 (exceptions down to 660) | 1.00x | Not published | [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.
- Dominion Financial: DSCR rental loans. Read October 29, 2026.
- Dominion Financial: Fix & flip loans. Read October 29, 2026.
- Dominion Financial: Ground-up construction loans. Read October 29, 2026.
- Dominion Financial: About. Read October 29, 2026.
- Dominion Financial: Licensing. Read October 29, 2026.
- Dominion Financial: Rate & program disclosures. Read October 29, 2026.
- Dominion Financial: Broker program. Read October 29, 2026.
- Dominion Financial: DSCR loan requirements. Read October 29, 2026.
- Dominion Financial: Ground-up construction loan requirements. Read October 29, 2026.
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.