Published terms, read October 24, 2026
Visio Lending loan terms
Austin-based lender, founded in 2012, that makes DSCR loans only, on long-term and short-term rentals.
Visio Lending: DSCR rental loans
| Term | Visio Lending | Doors Funded programs |
|---|---|---|
| Loan amount | From $75,000 (maximum not published) | $75,000 to $2,000,000 |
| Max LTV (purchase) | Up to 85% LTV on a purchase | Up to 80% LTV (75% cash-out) |
| Min FICO | 680 | 660 |
| Min DSCR | Not published | 1.05x |
| Experience | Not published | Not required |
| Property types | Single family rentals, long-term and short-term | Single family, 2-4 units, townhomes, PUDs, warrantable condos |
Conditions: Minimum property value $150,000. No bankruptcy in the last 4 years or foreclosure in the last 3. 30-year terms with no balloon. Visio's site notes no prepayment penalty can apply in NM, OH, MD, PA and RI. [1] [2] [3] [4]
Where Visio Lending lends and who can borrow
| Lender | Where it lends | Borrowing entity | Foreign nationals |
|---|---|---|---|
| Doors FundedOur programs, arranged by Janover Capital LLC | 47 states and Washington, DC. Not available in North Dakota, South Dakota or Vermont. | Business entity (LLC or corporation); full recourse | DSCR: Eligible, up to 65% LTV. Fix and flip: Eligible (some countries excluded). Construction: Eligible. |
| 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 |
Who Visio Lending fits, on its published terms
- Buy-and-hold investors who only need a rental loan. Visio makes DSCR loans and nothing else.
- Purchases where you want to put 15% down: Visio publishes 85% LTV on purchase loans.
- Short-term rentals, which Visio finances alongside long-term rentals.
Check these before you apply
- Minimum credit score 680 and minimum property value $150,000 in its rental guide.
- An entity is required in Georgia, Hawaii, Illinois, Massachusetts, New Jersey, New York, Pennsylvania and Virginia.
- No fix-and-flip, bridge or construction loans, so a BRRRR deal needs a second lender for the rehab.
Where our programs differ
- LTV: Visio publishes 85% on purchases; our program up to 80% LTV (75% cash-out).
- Credit: Visio lists 680; our program 660.
- Products: our programs also cover the flip, bridge and construction loan before the rental loan.
Neither column is a quote. Every lender prices each deal, and the term sheet you get is what counts. If your deal sits near a limit in either column, send it and we will tell you which side of the line it falls on.
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.
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.