<img height="1" width="1" src="https://www.facebook.com/tr?id=456283601956591&amp;ev=PageView &amp;noscript=1">

    Private Mortgage Lenders Help Investors Build Wealth Faster

    Private lenders are companies that loan money but are not part of a bank or affiliated with a government agency, enabling them to offer more flexible loan terms. In this context, the adjective “private” does not connote that the company is privately held. There are private lenders that are publicly traded companies. The most common types of private money loans are personal, business, and real estate.

    • Private personal lenders make a variety of term loans to finance consumer purchases that you might otherwise finance on a credit card. For example, these lenders might provide you a loan to finance your wedding or a vacation.
    • Private business lenders offer a variety of different types of financing products to help you grow your business. You might use this type of financing to buy business equipment or to finance your inventory or accounts receivable.
    • Private mortgage lenders can offer a variety of non-standard mortgage products ranging from extra large home loans to loans to finance investment properties, including vacation rental properties and commercial properties.

    Visio is a private mortgage lender that specializes in financing for single-family rental properties, including vacation rentals, and small balance commercial properties. Visio, because it is not part of a bank and does not lend on government programs, can offer loan products with features that meet the unique needs of real estate investors.

     

    Why Choose Visio Lending

    Direct, Private Money for Rental & Commercial Properties 

    Visio Lending has originated over $1 billion in rental loans, more than anyone else in the United States. Our leading product, proven process, and substantial experience simply cannot be matched. Let’s take a deeper dive into what makes us a superior lending choice for investors:

    • Direct lender: While most lenders resell someone else’s loan product, Visio is one of very few direct lenders to real estate investors. By cutting out the middlemen (yes, plural, as in more than one of them), you get a better loan product and a smoother borrowing experience.
    • Insurance: Insurance on a rental property is quite different from your personal home. Even many insurance agents who don’t regularly deal with rental properties don’t understand the nuances. Visio’s internal experts can help you properly insure your rental property investment.
    • Vacation Rentals: Visio is one of the leading financiers in the U.S. of vacation rental properties. Underwriting these properties for permanent mortgage finance is more of an art than a science. Nonetheless, Visio has developed a proven methodology to underwrite these properties to get you the best terms possible while also writing a responsible mortgage loan. 
    old apartment building with fire escape

    Our Loan Features

    • Full 30-year terms, no balloons
    • Streamlined qualification process emphasizing property-level cash flow 
    • No tax returns or employment verification required
    • Up to 80% LTVs
    • Simple haggle-free pricing you can depend on
    • Protect your identity and other assets by borrowing in a corporate entity

     

    Contact Us to Start Your Loan

    Private Lender FAQs

    What is a private real estate lender?

    As stated above, private lenders loan money but are not part of a bank or affiliated with a government agency, which means that they can offer more flexible loan terms.

    What types of properties do private lenders provide loans for? 

    If you look hard enough, you can find a private mortgage lender that will finance just about any property type. Most private lenders have some exclusions such as manufactured homes, log cabins, geodesic homes, group or board homes, etc. But for each of those exclusions, you typically can find a specialized lender that has a program for that product category.

    When should a real estate investor apply for a private loan? 

    Private real estate loans are ideal for self-employed borrowers who cannot fully document stable personal income to meet the stringent requirements of banks and agency lenders. They are also for investors looking to rapidly grow a portfolio of rental properties and have maxed out their agency financing.