Visio Lending

About Visio Lending

Founded in 2012 and headquartered in Austin, TX, Visio Lending is the nation’s leader in rental loans. We help investors grow their rental portfolios with our laser-like focus, streamlined process, innovative technology, and outstanding team. A strong leadership team backed by decades of experience and a deep understanding of real estate, technology, and finance, led us to become the 100+ employee and 6,000+ non-qm rental loan success we are today. We offer 360 month term on non-owner occupied SFR properties.*All loans are originated by Visio Financial Services Inc. Visio Financial Services Inc. is licensed by the California Department of Business Oversight as a California Finance Lender, license number 60DBO-56345.

Loan Types Offered: Investment Property Loans, Refinance / Cash Out Loans

Property Types Covered: Single Family

Areas Served: AL, AR, CA, CO, CT, DC, FL, GA, HI, IA, IL, IN, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, NH, NJ, NM, NY, OH, OK, PA, SC, TN, TX, UT, VA, WA, WI, WV, WY, KS

Licenses: California Department of Business Oversight as a California Finance Lender, license number 60DBO-56345

Lending Guidelines for Visio Lending

Below are the general loan guidelines published on the Visio Lending website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by Visio Lending.

Loan Example 1

Jeffery takes a private money loan from Visio Lending in order to rehab a duplex to resale in Houston, TX. The sales price of the house is $240,000. Since the lender agrees to a 75% loan to value, Jeffery will be required to put 25% down so the principle amount of the note will be $180,000. The interest rate on the note is 8% for a length of 18 months and the lender requires a four point origination fee at the close. The interest payments are to be paid on a monthly basis and the principle will be repaid after the sale of the property.

In addition to paying the $7,200 origination fee, Jeffery will also fund $60,000 of the purchase with his own funds, or 25% of the purchase price. The lender will collect $1,200 in monthly interest payments from the borrower. This is computed by taking the total note value of $180,000, multiplying that by the 8% interest rate, and then dividing that amount by 12. Jeffery's intention is to complete the rehab by the end of the 18 months and re-sell it for $300,000. If he succeeds he will earn a total profit of $31,200 ($300,000 sales price - $180,000 principle amount - $60,000 cash at closing - $7,200 origination fee - $21,600 in total interest paid.

Loan Example 2

Visio Lending issues a hard money loan to Jesse for a rehab project in Houston, TX. The deal includes the following:

$350,000 purchase price
85% loan to value (LTV)
12 month term
13% interest rate
4% origination fee

After the rehab project is complete, if Jesse sells the property for $437,500, the numbers would be as follows:

$437,500 sales price
- $297,500 principle on note (85% LTV)
- $52,500 down payment (15% on 85% LTV)
- $11,900 origination fee (4% of the $297,500 principle)
- $38,675 total interest paid (12 months x 13% interest)
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= $36,925 gross profit (does not include taxes or rehab costs)