Published terms, read October 24, 2026
Visio Lending vs New Silver: published loan terms side by side
Credit on rentals: Visio Lending publishes a 680 minimum, New Silver 660. 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.
New Silver
Direct private lender with online term sheets for fix-and-flip, ground-up and DSCR loans.
The differences that change a deal
- Leverage on a rental purchase: up to 85% at Visio Lending, 80% at New Silver, which is 5 points of down payment on the same house.
- New Silver publishes terms for fix and flip loans; Visio Lending publishes no terms of its own for them.
- New Silver publishes terms for ground-up construction loans; Visio Lending publishes no terms of its own for them.
- DSCR floor: New Silver 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, $150,000 at New Silver.
DSCR rental loans
| Term | Visio Lending | New Silver |
|---|---|---|
| Loan amount | From $75,000 (maximum not published) | $150,000 to $3,000,000 |
| Max LTV (purchase) | Up to 85% LTV on a purchase | Up to 80% LTV |
| Min FICO | 680 | 660 |
| Min DSCR | Not published | 0.75x |
| Experience | Not published | Not required |
| Property types | Single family rentals, long-term and short-term | 1-8 units, short-term rentals allowed |
New Silver also publishes fix and flip loans; Visio Lending does not. New Silver 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 |
| New Silver | 41 states and Washington, DC (Alabama for DSCR only), per New Silver's February 2026 list. [src] | DSCR loans can be made to LLCs and corporations; whether an entity is required is not published. [src] | Fix-and-flip and ground-up loans require a US citizen or legal resident. Not published for DSCR. [src][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] |
| New Silver | $150,000 to $3,000,000 | Up to 80% LTV | 660 | 0.75x | Not required | [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.
- New Silver: DSCR loans. Read October 24, 2026.
- New Silver: fix and flip loans. Read October 24, 2026.
- New Silver: construction loans. Read October 24, 2026.
- New Silver: company and product summary (llms.txt, last updated Feb. 6, 2026). Read October 24, 2026.
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.