Visio Lending

What Visio Lending does

Visio Lending is a private, Austin-based specialty mortgage lender founded in 2012 that originates Debt-Service Coverage Ratio (DSCR) loans for single-family rental and vacation rental investment properties. The company qualifies borrowers based on the rental income of the underlying property rather than personal income verification, addressing a structural gap in conventional mortgage underwriting for portfolio investors, self-employed borrowers, and entity-held properties (LLCs or corporations). Visio originates through two wholly-owned licensed subsidiaries, Visio Financial Services Inc. and Investor Mortgage Finance LLC, and is licensed as a mortgage banker in Arizona and as a finance lender in California, with origination coverage spanning 41 states plus Washington D.C.

The company's product set centers on DSCR loans, offered in 30-year fixed, 5/6 ARM, 7/6 ARM, and 10-year interest-only structures, alongside cash-out refinance (up to 75% LTV) and rate-and-term refinance options for long-term rental and short-term rental collateral. The underlying platform combines a proprietary DSCR calculation engine with separate Investor and Broker portals that support document upload, loan tracking, pricing, and counterparty communication, integrated with Plaid for automated asset verification, DocuSign for application e-signature, and DocMagic for closing e-signature. A public-facing DSCR Calculator supports pre-qualification, and the company has originated over $4.8B across 21,000+ investment properties since inception.

Visio distributes through a hybrid direct-and-wholesale model: a team of dedicated Account Executives serves investors across regions, while a Broker Program with up to 5% compensation and minimal NMLS requirements brings in deals from 1,000+ mortgage broker partners nationwide. Revenue is generated primarily through origination fees and the spread between borrower rates and cost of funds, with the company also managing one of the nation's largest investor-loan Real Estate Investment Trusts, providing a securitization channel for originated loans. The customer base is dominated by individual and SMB real estate investors, with a 57%+ repeat customer rate indicating strong retention in a highly fragmented, transaction-driven book.

Name

Visio Lending

Legal name

Visio Financial Services Inc.

Website

https://visiolending.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

Visio Lending is an Austin-based specialty mortgage lender that originates Debt-Service Coverage Ratio (DSCR) loans for single-family and vacation rental investors across 41 U.S. states, qualifying borrowers on property rental income rather than personal income and distributing through Account Executives and a 1,000+ broker network.

Ownership category

akta.pro rank

Product category

Rental Property Mortgage Lending

NAICS

Commercial Banking (522110), Mortgage and Nonmortgage Loan Brokers (522310), Other Financial Vehicles (525990)

SIC

Mortgage Bankers & Loan Correspondents (6162), Asset-Backed Securities (6189)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industry

Loan Due Diligence, Collateral Review & Reps/Warrants Management (FSALAFAL)

Keywords

• DSCR rental loans
• Single-family rental lending
• Real estate investor loans
• Rental property mortgages
• Non-QM mortgage lending

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Loan Origination: Visio originates DSCR loans for single-family rental properties, generating revenue through origination fees and the spread between interest rates charged to borrowers and cost of funds. Loans are originated by Visio Financial Services Inc. and Investor Mortgage Finance LLC.
2. Broker Compensation: Brokers can charge up to 5% on closed loans, with Visio facilitating the compensation structure. This creates a revenue stream through the difference between wholesale and retail rates.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

Visio Lending is a specialty mortgage lender that originates Debt Service Coverage Ratio (DSCR) loans for real estate investors purchasing or refinancing single-family rental properties. Loans are underwritten based on the rental income of the property rather than the borrower's personal income and are offered through the company's Visio Financial Services Inc. and Investor Mortgage Finance LLC subsidiaries, alongside a broker partner program.

Product overview

Visio Lending offers a unified DSCR (Debt-Service Coverage Ratio) lending platform for real estate investors, centered on its core DSCR Loan product that qualifies borrowers based on property rental income rather than personal finances. The platform provides two primary loan programs: Long-Term Rental Loans (for buy-and-hold investors with annual leases) and Short-Term Rental Loans (for vacation rentals on Airbnb/Vrbo). Within these programs, Visio offers multiple loan structures including 30-Year Fixed DSCR Loans (the foundation product with no balloon payments), 5/6 ARM and 7/6 ARM products (adjustable rate options for investors wanting lower initial rates), and 10-Year Interest-Only Loans (for maximizing near-term cash flow). Refinance options include Cash-Out Refinance (up to 75% LTV with 30-day seasoning) and Rate/Term Refinance. The platform also includes the Broker Portal for mortgage brokers to price, track, and submit deals, and the Investor Portal for borrowers to manage applications. Supporting tools include the DSCR Calculator for eligibility estimation and the Broker Program for partner compensation up to 5%. The company operates exclusively in the rental property financing space with over $4.8 billion in originated loans since 2012.

Differentiator

Problem solved

Functional benefit

Products and services

• DSCR Rental Loans
• Long-Term Rental Loans
• Short-Term Rental Loans
• 30-Year Fixed DSCR Loan
• 5/6 ARM DSCR Loan
• 7/6 ARM DSCR Loan
• 10-Year Interest-Only DSCR Loan
• Cash-Out Refinance
• Rate and Term Refinance
• Broker Program
• DSCR Loan Calculator

Quantifiable outcome

• 21,000+ closed loans and $4.8B+ originated
• +3 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core and supporting.

• Visio Financial Services Inc. (VFS)coreOthersSubsidiary company that originates loans. VFS is licensed by the Arizona Department of Financial Institutions as an Arizona Mortgage Banker (license BK-1010600) and by the California Department of Financial Protection and Innovation as a California Finance Lender (license 60DBO-56345). NMLS ID: 1935590.
• Investor Mortgage Finance LLC (IMF)coreOthersSubsidiary company that originates loans. IMF is licensed by the Arizona Department of Financial Institutions as an Arizona Mortgage Banker (license BK-1034031) and by the California Department of Financial Protection and Innovation as a California Finance Lender (license 60DBO-160501). NMLS ID: 2297729.
• PlaidsupportingTechnology or IntegrationTechnology integration enabling seamless connectivity with financial apps for automated asset verification during the loan application process. Borrowers can integrate their financial accounts through Plaid Assets for faster documentation.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Kiavi: Formerly LendingHome, Kiavi is a leading non-bank lender focused on bridge and DSCR financing for real estate investors, directly competing with Visio in single-family rental investment property lending.
• Roc Capital: Specialty DSCR and non-QM mortgage lender serving real estate investors, with a similar product mix (long-term rental loans, entity borrowing, no personal income verification) directly overlapping Visio's core offering.
• American Heritage Lending (AHLI): Non-QM and DSCR lender focused on investment property financing for self-employed and investor borrowers, competing head-to-head with Visio on rental loan products and broker relationships.
• Angel Oak Mortgage Solutions: Non-QM mortgage lender offering DSCR and investor loan products, with overlapping broker channels and similar focus on borrowers who don't fit agency guidelines.
• Defy Mortgage: DSCR and non-QM lender specializing in rental property financing for investors, directly competing in the same niche as Visio with similar cash-out and rate/term refinance products.

Broad incumbents

• NewRez (Shellpoint Mortgage Servicing): Large non-bank mortgage lender and servicer offering conventional, government, and non-QM products, including DSCR-style investor loans that compete with Visio's offerings through overlapping broker channels.
• loanDepot: Large retail and wholesale mortgage lender with a growing non-QM and DSCR product suite, competing for the same broker partners and investor borrower segment as Visio.
• Rocket Mortgage: Largest U.S. retail mortgage lender with an expanding suite of investment property and DSCR products via Rocket Pro, competing for broker-sourced investor volume nationwide.

Emerging players

• Roofstock: Online marketplace and financing platform for single-family rental investing, offering both property acquisition and integrated financing solutions targeting the same SFR investor customer base as Visio.
• Groundfloor: Real estate investment and lending platform with partial overlap in serving smaller real estate investors, offering alternative financing and investment products adjacent to Visio's DSCR lending focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/VisioLending
• Xx.com/visiolending

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries2 records

Funding overview

Funding rounds6 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Visio Lending