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Visio Lending

WHOLESALE - MORTGAGE PROFESSIONALS ONLY. Visio Lending is the nation's leader in rental loans.

Long Term Rental Loan
30 Year Loans for Residential and Vacation Rental Properties

Property Types SFR, Multi Family
Lending Areas NATIONWIDE
Interest Rate min 7%
Prepayment Penalty 5,4,3,2,1, 5,5,5,5,5, 3,2,1, 1 year
Credit Score Min 680
Amortized or Interest Only Amortized Only
Reserve Requirement 6 months
Intended Occupancy v Vacant, Tenant
Term 30 year
Max Points Charge by Broker1 5
Loan amount Minimum $100,000
Entities LLC - Limited Liability Corporation, LP - Limited Partnership, Corp - Corporation, Individual
Loan amount Maximum $3,000,000
Upfront Fees Underwriting
Lien Position 1st
Points Maximum 1st TD 4
General Pricing or Guideline info * Min loan $100,000 amount & min value of $150,000 * We take 3rd party appraisals with no transfer letter- reach out for more information, we review dozens of competitor's appraisals per month! * Rates on LTRs just dropped 94.5 bps since December! * Par pricing is back for our brokers - 45 day locks at appraisal payment! * 80 LTV on long-term rental purchase and RT refi- 75% cash-out * 1.00 gross DSCR on all loans - DSCR under 1 available. Interest-Only available. * Rural locations usually OK-no hit to LTV - exceptions apply * We love big loans- no hit to rate from 200k-1.5MM * YSP up to 2% is available * No NMLS required except CA and AZ
Updated as of 2024-02-23

Summary of all Guidelines

Loan Types Commercial Loan, DSCR Loan, Hard Money Loan
Property Types 2-4 Units, Retail, SFR
Lendding Area alabama, arizona, arkansas, california, colorado, connecticut, florida, georgia, hawaii, illinois, indiana, iowa, kansas, kentucky, louisiana, maine, maryland, massachusetts, michigan, mississippi, missouri, montana, new-hampshire, new-jersey, new-mexico, new-york, north-carolina, ohio, oklahoma, pennsylvania, south-carolina, tennessee, texas, virginia, washington, west-virginia, wisconsin, wyoming
States Excluded Arkansas, Delaware, Idaho, Maine, Nebraska, Nevada, North Dakota, Oregon, Rhode Island, South Dakota, Utah, Vermont
Loan amount Minimum $100,000
Loan amount Maximum $5,000,000
Interest Rate Minimum 7.25%
Interest Rate Maximum 14%
Points Maximum 1st TD 4
Terms 30 years
Credit Score Min 680
Prepayment Penalty 1 year, 3 years, 5 years
LTV Bridge None
Occupancy Vacant, Tenant
Upfront Fees Underwriting
LTV Long Term Rental 80
Personal Guarantee /Recourse Required Personal Guarantee Required / Recourse
Intended Occupancy Vacant, Tenant
Interest Only or Amortized Amoritzed
NMLS ID 1935590

* Rates on LTRs just dropped 70 bps - STRs down 25 bps!
* Par pricing is back for our brokers - 45 day locks at appraisal payment!
* 80 LTV on long-term rental purchase and RT refi- 75% cash-out
* 1.00 gross DSCR on all loans - DSCR under 1 available. Interest-Only available.
* Rural locations usually OK-no hit to LTV - exceptions apply
* We love big loans- no hit to rate from 200k-1.5MM
* YSP up to 2% is available
* No NMLS required except CA and AZ

We paid our brokers more in 2022 than ever before - how much can we pay you in 2023? With rates continuing to go up and values flatlining investors are jumping in and they want a quick easy solution. Certainty around rate locks goes a long way towards winning you the business! Investors buy no matter where rates are unlike consumers. Make up to 5% on every deal up to 2% YSP - YSP not on HUD-1! No limit on cash-out, no LTV reduction for loan amount up to $2MM or 2-4 units or non-warrantable condos. Our brokers have made millions with us in the last 10 years.

Visio Lending is located in Austin, TX. They offer financing for Hard Money Loans, Commercial Loans and DSCR Loans. The property type they primarily lend against is SFR, Retail and 2-4 Units. Their minimum loan amount is $100,000. Their maximum loan amount is $5,000,000. They offer loans for a minimum Term of 30 years. Maximum duration of 30 years. Although rates can change they are typically lending at a minimum rate of 7.25%. Maximum interest rate of 14%. Points charged are deal specific, but historically have charged a minimum of 0. Maximum points charged are 4.

These descriptions are limited information and meant for general reference purposes.
1905 Kramer Lane Ste B-700
Austin, 
TX
 78758
Information is intended for mortgage professionals. Additional requirements and minimum rates apply to rate sheet. Ask your Account Executive for all additional requirements. This overview is subject to change without notice and is subject to Visio Lending’s and Investor Mortgage Finance’s underwriting guidelines and all applicable federal state rules and regulations. Broker Approval is required prior to loan funding. Lending on 1-4 units in all states and D.C. except: AK, DE, ID, MN, NE, NV, ND, OR, RI, SD, UT, VT. Lending available in additional states for 5-8 units. All loans are originated by Visio Financial Services Inc. (“VFS”) or Investor Mortgage Finance LLC (“IMF”). VFS is licensed by the California Department of Business Oversight as a California Finance Lender, license number 60DBO-56345 as well as by the Arizona Department of Financial Institutions as an Arizona Mortgage Banker, license number 1010600. VFS’s company NMLS ID number is 1935590. IMF is licensed by the Arizona Department of Financial Institutions as an Arizona Mortgage Banker, license number 1034031. IMF’s company NMLS ID number is 2297729.