Visio Lending vs Lendency
Two DSCR-only specialists. Visio has deeper specialization, multifamily (2-8 unit) eligibility, and interest-only options, but requires 680 credit and a 5-year prepayment period. Lendency is newer, accepts 660 credit, and closes faster (14-21 days) with a simpler process — but offers no interest-only. Choose Visio for multifamily or interest-only DSCR; Lendency for a lower credit floor and faster closing.
Shared products: DSCR · Updated March 2026
4.2
Visio Lending
Wins 2 categories
3.8
Lendency
Wins 1 categories
Full Comparison
| Feature | Visio Lending | Lendency |
|---|---|---|
| Interest Rates | 6.5%–8.5%Better | 6.75%–8.5% |
| Max LTV | 80% | 80% |
| Min Credit Score | 680 | 660Better |
| Loan Range | $75K–$2M | $75K–$2M |
| Origination Fee | 1–2 points | 1–2 points |
| Speed to Close | 21–30 days | 14–21 days |
| Experience Required | No experience required | No experience required |
| LLC Borrowing | Yes | Yes |
| Interest-Only | Available | No |
| Prepayment Penalty | 5-4-3-2-1 step-down | 3-2-1 step-down |
| Foreign National | No | No |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Condo, Townhouse, Multifamily (5+) | SFR (1-4), Condo, Townhouse, Multifamily (5+) |
| Loan Products | 1 products | 1 products |
| Founded | 2012 | 2020 |
| Editor Rating | 4.2 / 5.0Better | 3.8 / 5.0 |
Pros & Cons
Visio Lending
Pros
- +DSCR specialist — deep product knowledge
- +Competitive rates for 30-year DSCR
- +Consistent underwriting process
- +Interest-only options available
- +Multifamily (2-8 units) eligible
Cons
- –DSCR only — no flip or bridge products
- –Longer closing times than fix-and-flip lenders
- –Longer prepayment penalty period (5 years)
- –Higher credit requirement (680+) than some competitors
Lendency
Pros
- +Simple, streamlined DSCR process
- +Fast DSCR closings (14–21 days)
- +Competitive rates
- +Works with first-time investors
Cons
- –DSCR only — no short-term products
- –No interest-only option
- –Newer company
- –No foreign national programs
Frequently Asked Questions
Is Visio Lending or Lendency better for real estate investors?
Two DSCR-only specialists. Visio has deeper specialization, multifamily (2-8 unit) eligibility, and interest-only options, but requires 680 credit and a 5-year prepayment period. Lendency is newer, accepts 660 credit, and closes faster (14-21 days) with a simpler process — but offers no interest-only. Choose Visio for multifamily or interest-only DSCR; Lendency for a lower credit floor and faster closing.
What loan types do Visio Lending and Lendency both offer?
Both lenders offer DSCR. Both offer 1 products.
Which has lower rates, Visio Lending or Lendency?
Visio Lending advertises rates starting at 6.5% while Lendency starts at 6.75%. Visio Lending has the lower starting rate, but actual rates depend on your credit score, LTV, property type, and loan product. Always get quotes from both lenders.
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