Visio Lending
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.
- Company typePrivate
- Founded2012
- HeadquartersAustin, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
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.
Visio Lending firmographics
Firmographics- 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
Visio Lending industry classification
Industry- 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
Where Visio Lending is headquartered
LocationHeadquarters
- HQ city
- Austin
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Visio Lending business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Broker Commission Structure |
| Other | Pay-as-you-go | DSCR Loan Down Payment Requirements |
| Other | Pay-as-you-go | Minimum Credit Score Requirement |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
Visio Lending product offering
Product offeringCore 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
Companies that use Visio Lending
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles2 records
Visio Lending technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature5 records
Visio Lending partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and supporting.
- Visio Financial Services Inc. (VFS)coreSubsidiary 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)coreSubsidiary 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 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
Visio Lending competitors and assessment
Company assessmentDirect 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
Visio Lending social profiles
Digital presenceVisio Lending compliance and trust
Trust signalCompliance7 records
Visio Lending financial estimates
Financial estimateRevenue estimate
Valuation estimate
Visio Lending leadership team
Management profileNumber of profiles
Profiles9 records
Visio Lending subsidiaries and ownership
Company hierarchySubsidiaries2 records
Visio Lending funding detail
Funding detailFunding overview
Funding rounds6 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Visio Lending M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Visio Lending
What does Visio Lending do?
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.
Is Visio Lending a public or private company?
Visio Lending is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Visio Lending founded?
Visio Lending was founded in 2012. It employs 101 to 250 people.
Where is Visio Lending based?
Visio Lending is headquartered in Austin, United States, in the North America region.
How does Visio Lending make money?
Two revenue lines are on record. Loan Origination is the primary driver. The others are broker Compensation.
Who are Visio Lending's main competitors?
Direct peers on record are Kiavi, Roc Capital, American Heritage Lending (AHLI), Angel Oak Mortgage Solutions and Defy Mortgage. Broad incumbents are NewRez (Shellpoint Mortgage Servicing), loanDepot and Rocket Mortgage. Emerging players are Roofstock and Groundfloor.
Does Visio Lending have an API?
No public API is recorded for Visio Lending.
What industry is Visio Lending in?
Visio Lending's product category is Rental Property Mortgage Lending. Its primary akta.pro industry code is FSAEAEAB, Commercial Mortgage Brokerage, with a secondary code of FSALAFAL, Loan Due Diligence, Collateral Review & Reps/Warrants Management. Its NAICS code is 522110 and its SIC code is 6162.