The Leading DSCR Lender for Real Estate Investors

For over 13 years, Visio Lending has been proud to help real estate investors nationwide secure the financing they need to grow their portfolios. Our reliable, investor-friendly DSCR loan solutions make the lending process simple, efficient and tailored to your investment goals.

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BBB Rating

A+

Loans Originated

$ 0 B+

Closed Loans

0 K+

In Vacation Rental

$ 0 B+

About Us

Trusted by Investors Nationwide Since 2012

As a leading provider of DSCR loans, Visio has helped thousands of real estate investors secure financing based on their property's income potential. Whether you're buying your first rental property or scaling your portfolio, we're here to make the process fast, easy and simple.

Explore the Visio Difference

OUR DSCR LOAN PROGRAMS

At Visio, we specialize in DSCR Loans, an alternative financing solution that doesn’t verify personal income. If your prospective rental property can generate a monthly profit, we can provide the funding you need to purchase.

DSCR Guide

6 - 12 Months

Long-Term Rentals

Long-term rental loans for buy-and-hold investors who rent their properties out on a 6-12 month basis.

30-year fixed terms: No balloon payments

No personal income verification: Qualification based on property cash flow

Entity borrowing options: Borrow under an LLC or corporation

Learn More About LTRs

One Night - Several Weeks

SHORT-TERM RENTALS

A short-term rental is a residential property rented for periods ranging from one night to several weeks. This includes listings on platforms like Airbnb and Vrbo, as well as rentals managed independently.

Airbnb

Vrbo

Independent Rentals

Learn More About STRs

Where We Lend

Click on a state

*LLC required in: GA, HI, IL, MA, NJ, NY, PA and VA

**Zero PPP required in: NM, KS, OH, MD, PA and RI

Expert Lending. Efficient Process. Proven Results.

OUR LENDING PROCESS

At Visio, we've created the simplest, most streamlined and investor-friendly loan process. From the initial application to closing, we provide fast turnaround times and dedicated support from our loan experts. With years of experience and billions financed, we have the expertise and dependability to close loans with speed and certainty.

Application and Initial Documents

Complete Loan File

Approving and Closing Your Loan

Make Your Payments

Explore Our Simplified Loan Process

Our Account Executives

We know that every real estate investor has a unique vision, and our team of expert loan officers is here to help you bring yours to life. Specializing in DSCR loans for investment properties, our loan officers are not just mortgage professionals; they are dedicated partners in your financial success.

Brandon Tully

Senior Account Executive

Brandon started his finance career in 2002. He's a husband, a dad, and a truck enthusiast.

Tri Le

Account Executive

Tri, a University of Texas graduate, brings a strong real estate background to Visio Lending, specializing in investment properties like acquisitions and fix-and-flips.

Jay Anderson

Senior Account Executive

Jay is a Texas A&M University Mays School of Business Graduate. He brings to Visio decades of real estate and sales experience.

Tracy Gordon

Senior Account Executive

Tracy has 8 years mortgage sales and management experience. He also owns his own growing portfolio of rentals across the country.

Sergio Leyva

Senior Account Executive

Sergio brings over a decade of sales experience to Visio and has worked in the mortgage industry since 2016. A Los Angeles native, he served 8 years in the military before transitioning to sales.

Ryan Huddleston

Senior Account Executive

Ryan Huddleston brings over 10 years of lending and financial services experience to his role as Account Executive at Visio Lending. Based in Austin, he’s a committed partner, known for his innovative approach and active involvement in real estate investing.

Jose Salcedo

Senior Account Executive

Jose brings over 15 years of mortgage industry experience and is an active real estate investor, with expertise ranging from short-term vacation rentals to commercial properties.

View All Account Executives

Visio Resources

Family looking at a home after converting primary residence to rental

Real Estate Investing

How To Convert Primary Residence to Rental Property Using a DSCR Loan

August 6, 2025

Thinking about converting your primary residence to a rental? Explore the process, benefits and DSCR...

Working with a mortgage lender on the 5/6 arm pro

Real Estate Investing

The 5/6 ARM Pro: Why We Built It and Strategies To Use It Wisely

July 23, 2025

The 5/6 ARM Pro was built for investors who want more control. See why it became a flagship product,...

Couple creating a plan for starting their rental property business

DSCR Loans,Real Estate Investing

How To Start a Rental Property Business With DSCR Loans

July 10, 2025

Starting a rental property business? Follow this guide built for first-time investors and learn how DSCR...

Broker showing investor how to navigate the visio portal

Broker portal,Brokers

Visio Lending Broker Portal: How To Price, Track and Submit Deals Online

June 17, 2025

Through our Broker Portal, brokers can see the status of current loans, price and submit loan deals,...

Explore Our Resources Hub

Testimonials

This is our second time using Visio and I will continue to go back to them in the future. Their service was top tier and the process was smooth even with a tight timeline.

Jen Weston

Google Review, 8/20/2025

Visio Lending has been an outstanding partner for our rental business. Their expertise in DSCR programs and market-leading rates make them a top choice. On top of that, their team is incredibly motivated and supportive. Sergio Leyva, in particular, went above and beyond, working tirelessly to secure the best rates for us and even assisting with external participants. We've successfully completed two deals with Visio Lending so far and look forward to many more in the future. Thank you, Visio team!

Gautam Tulsian

Google Review, 1/2/2025

Visio lending does have the best DSCR loans for investors and can do large cashouts. They do underwrite unique properties like the ones with ADUs in away from town and on septic. Mark and Carissa are amazing and working on my third cashout refinance with them.

Jaisheel Prakash

Google Review, 2/3/2025

I was introduced to Visio Lending by Brad Cullipher at American Capital Home Loans and ended up working with Freddy Colon on a DSCR loan for a rural property in Wimberley, Texas. Freddy was fantastic to work with — super helpful, quick to respond, and made the whole process incredibly smooth. I honestly couldn’t recommend him more.

This was hands down the best experience I’ve ever had with a lender. DSCR loans can sometimes be a bit tricky, but Visio Lending made it easy from start to finish. Freddy and his team handled everything so efficiently, and the entire process was straightforward and stress-free.

I was really impressed with the whole Visio Lending crew. If you’re in the market for financing — especially a DSCR loan — I highly recommend giving Freddy Colon a call. I’ll definitely be working with them again in the future.

Todd Nasca

Google Review, 6/10/2025

I have used Visio now for six years and many DSCR loans. Always a very attentive staff, they work efficiently. Rates are good and always very competitive. Nice to be able to get WRITTEN loan estimates to review!

Rob Thornton

Google Review, 6/29/2025

Visio Lending is the Best for DSCR Loans!

When it comes to DSCR loans, Visio Lending is simply the best. I’ve had the privilege of working closely with Tracy, who is an outstanding loan officer. Tracy’s combination of excellent rates, unmatched service, and unwavering attentiveness makes every transaction a smooth and successful experience.

Also thank you to Tracy’s assistant, Melissa, who ensures every detail is handled with care and efficiency. Together, they create a powerhouse team that consistently exceeds expectations.

I absolutely love working with Visio Lending and highly recommend them to anyone in need of a lender that prioritizes client success. They truly stand out in the industry!

Jordan

Google Review, 1/8/2025

Brandon and Jordan made the reality of our first investment property happen for us. I am so thankful for their help and guidance. It felt like they truly cared about us as people and we were not just a number. They are amazing to work with and I highly recommend them. I hope to use them again in the future for my next one 🙂 thank you!

Meredith Ries

Google Review, 5/30/2025