Visto Capital

Private lending for real estate investors

Price your next deal in about a minute.

DSCR rental and fix & flip. No tax returns, no income verification, and a real person managing the file from term sheet to wire.

Loan types
DSCR, Fix & Flip
Typical close
Usually 2 to 3 weeks
Income docs
None

Timelines are typical, not guaranteed.

Deal pricer

See the number before you talk to anyone.

Three answers get you a range. Every detail you add after that tightens it. Nothing here asks for your credit or your documents.

What kind of deal?
Property type
What are you doing?

Indicative range

The process

How your deal closes

Every step, who does it, and how long it takes.

  1. 01 You · 1 minute

    Price it

    Three answers for a range. Add detail to tighten it.

  2. 02 You · 3 minutes

    Submit it

    Property, entity, credit band, and how to reach you. No documents yet.

  3. 03 Us · Usually same day

    Call and terms

    A loan officer confirms the numbers and sends written terms.

  4. 04 You · A few days

    Documents and appraisal

    Entity docs, lease or rent schedule, insurance. We order the appraisal.

  5. 05 Us · 1 to 2 weeks

    We run the file

    Underwriting, title, and conditions in one portal with one checklist.

  6. 06 Us · 3 to 5 days

    Clear to close and fund

    Closing scheduled with your title company; funds wire at closing.

Refer a deal

Know an investor who needs financing?

Send them our way. Your client stays your client. Business-purpose investment loans only.

Become a partner

Resources

Everything you'd normally have to ask for.

Program guidelines

What we lend on and what we don't.

What is DSCR?

How the ratio is calculated and why no tax returns.

Submission checklist

Exactly what to send after the call.

  • Entity documents (articles, operating agreement, EIN letter)
  • Lease or market rent schedule (DSCR) / scope of work and budget (flip)
  • Two months of bank statements for reserves
  • Government ID for every guarantor
  • Property insurance quote
  • Purchase contract (purchases) or current mortgage statement (refinances)