beach in the shape of California state

 

About California

The Golden State is the largest state in terms of population and the third most expensive state to live in with a median home price above $800k. California has a lot to offer with a large entertainment and fashion industry, beaches and parks, and many universities. It is also home to large cities including Los Angeles, San Diego, San Jose, San Francisco, Fresno, and more.

 
 
 

How California investment properties differ from other states

Over 45% of California households are renters, compared to 35% nationwide, keeping rental demand high. California also has higher rent and lower vacancy rates than the rest of the US. The 2019 median gross rent in California was $1,614, compared to the US median gross rent of $1,097. And the 2019 California vacancy rate was 4%, which was a full percent lower than the US vacancy rate.

 

Who we Serve in California

 
 
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A variety of properties to choose from

Visio Lending offers flexible, 30-year loans for:

  • 1-4 unit single family rental properties, including condos and townhomes
  • Vacation rentals
  • Multi-family properties
  • Mixed-use and other small balance commercial properties
 
 
 

A range of loan options to fit your timeline & needs

We provide permanent mortgage finance on rented or rent ready real estate throughout California.  Our loan programs are tailored to investors with: 

  • No income verification or DTI calculations
  • 5/1 ARM, 7/1 ARM, and 30-Yr Fixed Rate Structures
  • IO and No DSCR Option available
  • The ability to finance through an LLC and protect your personal assets
 

 

Major California Cities for Investment Properties 

 
 

California boasts many hot long-term rental markets including San Jose, Fremont, Redondo Beach, Anaheim, and Bakersfield. With all of its natural beauty and tourist attractions, California is also a great state to invest in vacation rentals and has many vacation rental-friendly cities. In fact, AirDNA ranked several California cities in their Best Places to Invest in Vacation Rentals in 2020+2021 report. Palm Springs, South Lake Tahoe, and Big Bear Lake all made the top 25 large markets.

See how we’ve helped Californians across the state close their loans!

 

Why Californians Should Partner with Visio

 
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Experience

Headquartered in Austin, Texas, Visio Lending has over a decade of experience in real estate and finance. We’ve closed hundreds of loans in California over the past several years.

 

Have someone in your corner

Visio's loans were designed with investors in mind, offering full 30-year terms and LTVs up to 80% on purchases and rate and term refinances, and LTVs up to 75% on cash-out refinances.

 

Easy & pain-free

Our loan process is fast, simple, and dependable with no tax returns or DTI calculations.

 
 
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Rental Loans 

 Long-term financing for single family residential rental properties

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Vacation Rentals

30-year loans for vacation rentals, no personal income statements

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Commercial Loans

Mixed-use and multi-family program with a focus on service & technology

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