Wholesale DSCR & Non-QM Aggregator · Institutional SFR & Vacation Rental DSCR Shelf

Visio Lending — 2026 Credit Box, DSCR Rates & Underwriting Guidelines

Visio Lending is an Austin-based DSCR lender focused on 30-year fixed rental loans for long-term landlords and short-term vacation rental investors.

2026 Rate Band
6.625% – 8.500%
Max Purchase LTV
80% LTV
Max Cash-Out LTV
75% LTV
Min DSCR / FICO
1.00x – 1.25x · 680+
Wholesale Credit-Box Comparison · Loan Daddy LLC (NMLS #2827624)

Shop Visio Lending Against 45+ Wholesale DSCR & Bridge Shelves

Submit one scenario to Stephen R. Mannenbach, J.D., MBA (NMLS #2549621) at Loan Daddy LLC to benchmark Visio Lending against 45+ institutional wholesale DSCR, Non-QM, and RTL bridge lenders with a single soft credit pull.

Compare Against 45+ Shelves →Audit Term Sheet

Visio Lending — Institutional Underwriting Matrix

Headquarters & FootprintAustin, TX
Loan Amount Range$125,000 – $3,000,000
Typical Closing Window15 – 21 Business Days
Prepayment Penalty Options5/4/3/2/1, 3/2/1, 1-Yr
Eligible Entity VestingLLC, Corporation, Individual
Core Program Specialties
  • Short-Term Vacation Rentals (Airbnb/VRBO)
  • 30-Year Fixed DSCR
  • No-DTI Investor Loans

Compare Other Verified Institutional Lenders

Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk)
6.125% – 7.875% · 80% (85% CLTV w/ Seller Carry)
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Kiavi (Formerly LendingHome)
6.625% – 9.750% · 80% DSCR / 90% RTL LTC
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Roc Capital (Roc360)
6.375% – 8.625% · 80% DSCR / 85% RTL LTC
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Lima One Capital
6.500% – 8.875% · 80% DSCR / 90% RTL LTC
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CoreVest American Finance
6.375% – 8.500% · 80% LTV
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Velocity Mortgage Capital
6.500% – 8.750% · 80% LTV
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Angel Oak Mortgage Solutions
6.250% – 8.250% · 80% LTV (85% Select Tiers)
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Acra Lending ( Citadel Servicing )
6.250% – 8.375% · 80% LTV
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Anchor Loans
7.990% – 10.250% · 85% – 90% LTC (100% Rehab)
View Credit Box →

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Visio Lending — 2026 DSCR, LTV & Credit-Box Review | Stephen R. Mannenbach, J.D., MBA · Loan Daddy LLC | Stephen Mannenbach