Visio Lending is one of the original DSCR lenders — a rental-focused specialist that pioneered the short-term-rental DSCR product. LendingStreet brokers across 30+ capital sources for investors whose deals need broader options than a single DSCR specialist. Here's how to choose.
The short answer: Visio Lending, founded in 2012, specializes almost exclusively in long-term rental DSCR loans for buy-and-hold investors, with a strong reputation in short-term rental financing. They post rates roughly in the 6.75%-9.50% range (Q1 2026) with a firm 1.0 DSCR floor and a 680 minimum credit score.
LendingStreet is a licensed broker (NMLS #1734316) with 30+ direct capital sources, including DSCR specialists like Visio. When your deal is a clean rental that fits Visio's box, they often deliver competitive rates. When the deal needs sub-1.0 DSCR, lower credit, fix & flip, construction, or larger commercial structures, LendingStreet's network has paths a single rental specialist cannot offer.
| Factor | LendingStreet | Visio Lending |
|---|---|---|
| Business model | Licensed broker, 30+ capital sources | Direct lender, DSCR/rental specialist |
| Founded | JRS Home Loans LLC, NMLS #1734316 | 2012, St. Petersburg FL |
| Product focus | Full range: DSCR, F&F, Bridge, Construction, Commercial, Multifamily, Blanket | Long-term rental DSCR (incl. STR) |
| States served | 48 states | 48 states (excludes AK, HI) |
| Total funded | $4.36B across 8,196 deals | Established rental lender |
| Criterion | LendingStreet | Visio Lending |
|---|---|---|
| Maximum LTV | Up to 80% | Up to 80% |
| Minimum DSCR | Sub-1.0 available (down to 0.75); no-ratio available | 1.0 (firm floor, no exceptions) |
| Minimum credit score | 620 floor (varies by source) | 680 (720+ for best pricing) |
| Rate range (2026) | Varies by capital source | 6.75% - 9.50% (Q1 2026) |
| Experience requirement | Varies; first-time investors placeable | Minimum 1 rental owned/managed |
| STR / Airbnb | Yes (projected revenue via select sources) | Yes (STR specialist, ~75% LTV) |
| Other products | F&F, Bridge, Construction, Commercial, Multifamily, Blanket, Gap | DSCR rental focus only |
Sources: HonestCasa Visio review, visiolending.com (May 2026). LendingStreet terms from internal program documentation.
We want to be honest: there are real scenarios where Visio Lending is the better choice, and we'd tell investors so. Specifically:
How each lender's strengths play out in practice. Scenarios are based on real LendingStreet-closed deals with details anonymized.
Buy-and-hold investor with a strong short-term rental, 740 credit, 1.2 DSCR, wants a 30-year fixed refinance. Visio is a strong choice here — their STR expertise and pricing for high-credit borrowers is hard to beat. We'd tell this investor to get a Visio quote.
Investor with a value-add rental at 0.92 DSCR and 660 credit needs cash-out. Visio declines both the sub-1.0 DSCR and the credit score. LendingStreet placed a comparable deal through a specialty sub-1.0 source.
Investor wants a DSCR refinance on one property and ground-up construction financing on another. Visio offers only rental DSCR. LendingStreet placed both through different sources in one relationship.
No. Visio is a direct lender that originates rental DSCR loans with its own capital. LendingStreet is a licensed broker (NMLS #1734316) placing loans across 30+ direct lenders — including DSCR specialists similar to Visio.
Yes. Visio holds a firm 1.0 DSCR floor with no exceptions. Several of LendingStreet's capital sources lend down to 0.75 DSCR, and no-ratio DSCR programs are available.
Visio requires a 680 minimum (720+ for best pricing). LendingStreet's network includes sources with a 620 floor, with case-by-case review for lower profiles.
Yes, STR / Airbnb DSCR is available through select capital sources using projected revenue. Visio is a recognized STR specialist; for a clean high-credit STR, comparing both is worthwhile.
For buy-and-hold investors with 720+ credit and a clean rental that meets 1.0+ DSCR — especially short-term rentals — Visio's rental specialization and pricing are genuinely strong.
One application, one credit pull, multiple lender options. See if your deal qualifies for better terms than a single direct lender can offer.
Get Pre-Qualified → Browse Loan ProgramsAbout this comparison: Information about Visio Lending was sourced from visiolending.com and independent reviews including HonestCasa as of May 2026. Loan terms, rates, and underwriting change frequently — verify current terms directly with each lender before deciding.
About LendingStreet: LendingStreet is the d/b/a of JRS Home Loans LLC, NMLS #1734316. We are a licensed mortgage broker, not a direct lender. We place loans through 30+ direct capital sources. LendingStreet earns a broker fee on placed loans. Loan availability, rates, and terms vary by deal, borrower qualifications, and capital source. All loan offerings subject to underwriting and qualification. This comparison reflects publicly available information and our broker experience.
Last updated: · Refreshed quarterly with updated competitor terms.
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