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Our Rental Property Loan Program

Our Rental360 Loan Program is perfect for professional investors looking to grow their portfolio of single-family rental properties.

 

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Rental360 Features

•  Full 30 year terms, no balloons

•  Streamlined qualification process emphasizing property level  cash flow 

•  No tax returns required; No DTI calculations 

•  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
 

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Partner with a Lender That’s Highly Specialized in Rental Loans

  • Laser-focus: Visio Lending’s laser-like focus and rental loan expertise simply cannot be matched. Would you go to a foot doctor for a headache? Or an employment attorney for a divorce? There is something to be said about going to a specialist for the specialty you need.
  • Eliminating cross-default provisions: Choosing a specialized rental lender instead of financing all of your investment properties, such as fix-and-flips, through one lender could avoid cross-default provisions. Essentially, through a cross-default provision, if a borrow fails to pay interest or principal on time for one loan, the lender has the right to default the borrower on all of their loans. Fix-and-flips are risky investments even for the best investors, so it is always a good practice to keep your rentals elsewhere.

 

Recently Financed Rental Property Mortgages with Visio Lending

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Set it and forget it finance; 30-year fixed rates, no balloons, option to buy your rate down 
See Recently Closed Loans
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The perfect property waiting for the perfect time; 5/1 ARM and 7/1 ARM rate structures; certainty of full 30 year terms
See Recently Closed Loans
 

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Why Our Rental360 Loan Program is the Best in the Country

Optionality

The Visio Lending Rental360 Loan Program is specifically designed for investors looking to grow their portfolios of single-family (1-4 unit) rental properties. We have the most experience in the industry and have the customization investors need for their investment strategies. Rental360 investors can choose their:
 
  • •  Rate Structure:Pick from a 5/1 ARM, 7/1 ARM, or 30-Yr Fixed. The 5/1 ARM and 7/1 ARMs are ideal for transitional rentals, while the 30-yr fixed is a more permanent financing option.

    • Origination Fee: Our standard origination fee is 1%, yet borrowers have the option to pay more or fewer points to either buy down their rates or pay less cash upfront.

  • •  Prepayment Penalty: A prepayment penalty is a contractual clause that states the borrower is going to pay the lender an additional fee if the borrower pays off the loan early. Our standard prepayment penalty is a 5-year structure, but if the borrower wants to pay the loan off sooner, they can opt for one of our 3-year structures.

 

Direct Lender

While most lenders are reselling someone else’s loan product, Visio Lending is one of  very few direct lenders to rental investors. By cutting out the middlemen (yes, men!) you get a better loan product and smoother borrowing experience.

 

Cash Flow Based Lender

Rather than look at the personal income of our investors, Visio looks at the monthly cash flow generated by the property compared to the debt. We do this using a metric called Debt-Service Coverage Ratio (DSCR). DSCR is calculated by dividing the monthly rent by the monthly principal, interest, taxes, insurance and association dues (PITIA).  A DSCR of 1 indicates the investor is breaking even, and anything above a 1.2 is considered solid. Many investors that own multiple mortgaged rental properties have too much “debt” to qualify for traditional financing, so using DSCR rather than DTI enables them to acquire more rentals.