Published terms, read October 24, 2026

Visio Lending vs LendingOne: published loan terms side by side

Leverage on a rental purchase: up to 85% at Visio Lending, 80% at LendingOne, 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.

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.

LendingOne

Investor lender offering DSCR, fix-and-flip, construction, fix-to-rent and SFR portfolio loans.

The differences that change a deal

LendingOne publishes terms for fix and flip loans; Visio Lending publishes no terms of its own for them.
LendingOne publishes terms for ground-up construction loans; Visio Lending publishes no terms of its own for them.
LendingOne publishes terms for rental portfolio (blanket) loans; Visio Lending publishes no terms of its own for them.
DSCR floor: LendingOne publishes a 0.75x 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 LendingOne.
Borrowing entity: Visio Lending: optional (LLC or corporation), but required in GA, HI, IL, MA, NJ, NY, PA and VA. LendingOne: required: LLC, limited or general partnership, corporation or revocable trust.

DSCR rental loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	Visio Lending	LendingOne
Loan amount	From $75,000 (maximum not published)	$85,000 to $2,000,000
Max LTV (purchase)	Up to 85% LTV on a purchase	Up to 80% LTV (75% cash-out)
Min FICO	680	Not published
Min DSCR	Not published	0.75x
Experience	Not published	Not published
Property types	Single family rentals, long-term and short-term	Single family, 2-4 units, condos, townhouses

LendingOne also publishes fix and flip loans; Visio Lending does not. LendingOne also publishes ground-up construction loans; Visio Lending does not. LendingOne also publishes rental portfolio (blanket) 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
LendingOne	Every state except Alaska, Nevada, North Dakota and South Dakota. [src]	Required: LLC, limited or general partnership, corporation or revocable trust. [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
Visio Lending	From $75,000 (maximum not published)	Up to 85% LTV on a purchase	680	Not published	Not published	[1][2][3][4]
LendingOne	$85,000 to $2,000,000	Up to 80% LTV (75% cash-out)	Not published	0.75x	Not published	[1]

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.
LendingOne: DSCR rental loans. Read October 24, 2026.
LendingOne: fix and flip loans. Read October 24, 2026.
LendingOne: new construction loans. Read October 24, 2026.
LendingOne: SFR portfolio loans. Read October 24, 2026.
LendingOne: FAQs. Read October 24, 2026.