DSCR rental loans

Your rental qualifies on the property. Not your tax returns.

A few quick questions and no documents. A loan officer confirms your options the same day.

Qualification is based on the property for this program
Close in your LLC or your name
Usually 2 to 3 weeks to fund

Step 1 of 8 • 13%

What type of investment property are you looking for?

This helps us find the right investor loan programs for you.

home

Single Family Home 1 unit, detached or attached

apartment

Condominium Warrantable or non-warrantable

holiday_village

Multi-Family (2-4 units) 2 to 4 units, one property

location_city

Multi-Family (5+ units) 5 or more units, one property

storefront

Mixed-use Residential with commercial space

Are you buying or refinancing?

DSCR loans work for both purchases and refinances of investment property.

key

Buying a new property

sync_alt

Refinancing one I already own

What's the estimated property value?

It's OK to estimate — you can update this later.

Purchase Price or Current Value

We look at the property and your equity. A loan officer confirms the real numbers.

Where should we send your investor loan options?

Your loan officer will use this to send your numbers — no spam.

First name

Last name

Email Address

Phone Number

I agree to receive recurring SMS text messages from Visto Mortgage LLC (Visto Capital) — loan updates, account notifications, and customer-care messages — at the number I provide, including messages sent using automated technology. Consent is not a condition of any purchase or loan. Message frequency varies. Msg & data rates may apply. Reply STOP to opt out, HELP for help.

Your mobile information will not be sold or shared with third parties for promotional or marketing purposes. See our Privacy Policy and SMS Terms & Conditions .

Will you close in an entity?

Many investors hold investment property in an LLC, corporation, or trust for liability protection.

corporate_fare

Yes — LLC, corporation, or trust

person

No — in my personal name

pending_actions

I plan to, but haven't formed it yet No problem — we'll walk you through setting it up before closing.

Tell us about the entity

We'll use this to title your loan documents correctly.

Entity Name

corporate_fare

LLC

domain

Corporation

shield

Trust

State of Formation

What's your estimated credit score?

Just your best guess — this won't affect your credit.

star

Excellent (740+)

thumb_up

Good (680 - 739)

thumbs_up_down

Fair (620 - 679)

build

Needs Work (below 620)

When are you looking to move forward?

This helps us prioritize your application.

bolt

ASAP — ready now

event

1-3 months

date_range

3-6 months

explore

Just exploring

No credit pull until you say so

How we look at the deal

We lend on the property, not the rent. We look at the property and your equity, and a loan officer confirms the real numbers.