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     Our Rental360 Loan Program is perfect for the professional investor looking to grow their portfolio of single family rental properties

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    Rental360 Features

    • Full 30 year term, no balloons
    • Streamlined qualification process emphasizing property
      level cash flow 
    • No tax returns required
    • Up to 70% LTV for Refinances and 75% LTV for Purchases
    • Only 30-day ownership seasoning means you can grow
      your portfolio faster
    • Simple haggle free pricing you can depend on
    • Protect your identity and other assets by borrowing in
      a corporate entity
    • NEW No DSCR and 10-Yr Interest Only options available
    Contact Us to Start Your Loan

    In light of disruptions due to COVID-19, please contact your Visio Account Executive for current product offerings, requirements and terms.


    Check Out Some of Our Recently Closed Rental Loans 

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    Permanent Rentals

    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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    Transitional Rentals

    The perfect property waiting for the perfect time. 5/1 ARM and 7/1 ARM rate structures, certainty of full 30-year term
     

    See Recently Closed Loans

    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 2%, yet borrowers have the option to pay more Whyor less 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 a 3-year structure or even no prepayment penalty.

     

    Direct Lender

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

     

    Highly Specialized in Rental Loans

    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 for going to a specialist for the specialty you need.

    Another clear benefit of choosing a specialized rental lender instead of financing all of your investments, such as your fix and flips, through one lender: avoiding cross-default provisions. Essentially, through a cross-default provision, if a borrower 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 lenders, so it is always good practice to keep your rentals elsewhere.

     
    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.