Specializing in Loans for Buy & Hold Investors

Whether you are buying another property or want to take cash out of an existing property, Visio is there with loan products designed exclusively for landlords. With rates as low as 6.50% and LTVs up to 75%, our real estate financing allows the modern investor to prosper. Check out our various loan products and associated rates/guidelines below.

*Rates are calculated based on your credit score, the Loan-to-Value (LTV), and Debt Service Coverage Ratio (DSCR). DSCR determines a borrower's ability to pay back a loan based on the monthly rent of their property and is calculated as Gross Monthly Rent / Monthly PITIA (principal+interest+taxes+insurance+association dues). 

The Rental360 7 Year ARM

Our Rental360 7 Year ARM loan has rates as low as 6.50% and allows for LTVs up to 75%. It's perfect for rent-and-hold investors looking to build a strong rental portfolio. Available as a Rental360 Portfolio+ Loan (add 50 bps to single asset rates).

Min. Credit Score 650

Min. Credit Score 650

The rental360 30 year fixed

Our Rental360 30 Year Fixed loan has fixed rates as low as 7.05% and allows for LTVs up to 75%. It's perfect for rent-and-hold investors looking for the certainty of a consistent interest rate. Available as a Rental360 Portfolio+ Loan (add 50 bps to single asset rates).

Min. Credit Score 650

Min. Credit Score 650

The Rental360 Portfolio+

Our Rental360 Portfolio+ loan allows you to refinance on 3-5 properties all at once. With just one closing and one monthly payment, it's perfect for investors looking to simplify their portfolio. Available as a 7 Year ARM (rates shown below) or 30 Year Fixed (add 55 bps).

Add 55 bps for P+ 30 Year Fixed Rates

Add 55 bps for P+ 30 Year Fixed Rates

LTRFlex

Visio's LTRFlex is our most flexible landlord loan yet. With just a three-years pre-pay you can choose to hold on to your rental or sell it after three years.

Min. Credit Score 650

Min. Credit Score 650

Min. loan value: $45K.*
*Loan amount caps in place based on credit score. $100K min. property value for properties in Baltimore, Philadelphia, & D.C. Portfolio loans: 80K min. property value. $250K min. loan value. Add 50 BPs to single asset rate. Add 75 BPs on loans under $300K & 50 BPs on loans $300K - $399,999. Single asset loans: Add 75 BPs on loans under $75K; 50 BPs on loans $75K-$99,999. 25 BPs deduct on loans $300K+.
 

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Your business is real estate investing, not jumping through hoops. Time to get back to business.