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DSCR Lenders Compared: Visio Rates Lag Behind the Field

Rate shopping remains essential even among established DSCR specialists. Our side-by-side review revealed meaningful differences in interest rates and fees that directly affect borrower cash flow and equity.

Visio's pricing came in notably higher despite its market reputation, while Kiavi and Easy Street offered middle-ground terms. Best Price Lending secured the lowest combination of rate and origination costs.

Borrowers should always request multiple DSCR quotes before locking. This comparison was performed for illustrative purposes only and does not constitute loan approval or a rate guarantee.

Lender comparison

Purchase · FICO 790 · Value $240,000 · Rent $2,100/mo · Taxes $4,415/yr · Insurance $3,000/yr

75% LTV · $180,000 loan
Visio LendingKiavi LendingBest Price LendingEasy Street Capital
Rate 8.592%8.000%7.750%8.500%
Loan amount $180,000$180,000$180,000$180,000
Loan to value % 75%75%75%75%
Origination fee % 0.00%1.00%0.00%0.00%
Origination fee $0$1,800$0$0
Monthly P&I $1,396$1,321$1,290$1,384
DSCR 1.05x1.11x1.14x1.06x
80% LTV · $192,000 loan
Visio LendingKiavi LendingBest Price LendingEasy Street Capital
Rate Ineligible8.375%7.990%8.375%
Loan amount —$192,000$192,000$192,000
Loan to value % 80%80%80%80%
Origination fee % —1.25%0.00%1.75%
Origination fee —$2,400$0$3,360
Monthly P&I —$1,459$1,407$1,459
DSCR —1.00x1.04x1.00x

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Pricing is illustrative and subject to underwriting. Street address omitted for privacy.

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