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OUR LOAN PROGRAMS

Financing the Nation's Landlords

Fueling the professional investor

Rates are calculated based on your middle credit score, the Loan-to-Value (LTV), and Debt Service Coverage Ratio (DSCR)

Check out our various loan products and associated rates/guidelines below:

 

RENTAL360              RENTAL360 PORTFOLIO+           LTRFLEX              24 MONTH BRIDGE

 

RENTAL360 

Our Rental360 loan program is perfect for the professional investor looking to grow their portfolio of single-family rental properties. With a full 30 year term, no balloon payments and a choice of either a 7/1 ARM or 30 year fixed interest rate structure, The Rental360 enables professional investors to build wealth over the long-term by locking in competitive interest rates and eliminitating the risk of forced sales or refinances.

Transparency is important to us, so you can see right here how we determine the loan-to-value, or LTV, and interest rate. To read the tables below, find your estimated credit score in the left column. Then estimate your DSCR by dividing your expected monthly property rent by your expected principal, interest, taxes and association dues, and select the corresponding column. Then select your desired LTV.

7/1 ARM Pricing

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30 Year Fixed Pricing

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RENTAL360 PORTFOLIO+

Refi on 3 to 5 properties with one closing and monthly payment:

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. Avaliable as a 7 Year ARM (rates shown below) or 30 Year Fixed (add 50 bps).

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LTRFLEX

Flexible landlord finance:

Visio's LTRFlex is designed to give you more options. Featuring flexible underwriting requirements, this loan allows you to do more with unique properties.

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24 MONTH INTEREST ONLY BRIDGE

Payoff early with no prepay penalty:

Visio's 24 Month Intersest Only Bridge loan features no prepaymeny penalty nor DSCR requirements. Cash out on a property while it's on the market so you can purchase your next investment without waiting for the other to sell.

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Minimum Loan Value: 45K*

*Loan amount caps in place based on credit score:

  • Portfolio Loans: $80K min. property value, $250K min. loan value. Add 50 bps to single asset rate. For loans under $400K, add 50 BPs on loans $300K-$399,999 or 75 BPs on loans under $300K.
  • Single Asset loans: Add 75 BPs on loans under $75K; 50 BPs on loans $75K-$99,999. 25 BPs deduct on loans $300K+
  • 24 Month I/0: $75K min. loan value

$100K min. property value (mpv) for properties in Baltimore, Philadelpia, and D.C. $125K mpv for SFR properties and $75K mpv per unit for 2-4 unit properties in Cuyahoga and Cook Counties.