Events

Visio Lending: Hassle-Free Rental Loans — A Booth Visit at IMN Conference

At every industry event, there are booths you pass by out of courtesy… and others you’re glad you didn’t miss. That was exactly my experience at the recent IMN Conference, when I stopped at the Visio Lending booth — a name well-known among investors looking to expand their rental portfolios without the headaches of a traditional mortgage. There I met Michael Wyll and John Sperling, two seasoned professionals with decades of combined mortgage experience. With the kind of clarity that only comes from doing things well, they walked me through why Visio has become one of the strongest players in the DSCR loan space for rental properties. “What we do is very straightforward,” Michael summarized for me. “We finance properties based on the property’s cash flow — not the borrower’s personal income. If the rent covers the mortgage payment, you’re good to go. It’s that simple.” With this approach, Visio Lending allows investors to purchase or refinance single-family rentals, duplexes, triplexes, and even fourplexes — all without the red tape that usually comes with traditional underwriting. The highlights? 30-year fixed loans with no balloon payments, up to 80% LTV for purchases and 75% LTV for cash-out refinances, and closings in as fast as 3 to 5 weeks. John, who has personally overseen over $1 billion in loan volume across Texas and other states, emphasized the real value for brokers and borrowers alike: “Many banks don’t touch short-term rentals or vacation rentals. We do. With Visio, a loan officer can confidently say: ‘Yes, we can make this happen — and fast.’” In Florida — a market we know well at The Elite Officer — Visio has already funded nearly $600 million in single-family rental loans alone. That’s proof that when your strategy is clear and your process is streamlined, results follow naturally. Before I left the booth, both Michael and John shared a message every loan officer should remember: “We’re here to educate loan officers so they can expand their product offerings. A solid DSCR loan gives your clients a way to build real wealth — without overcomplicating their personal finances.” I walked away from Visio’s booth with one clear takeaway: Visio Lending doesn’t sell shortcuts — they provide a practical tool for serious investors who want to turn rental income into a scalable portfolio, one property at a time. Michael Wyll Senior Account Executive at Visio Lendingmichael.wyll@visiolending.comvisioloans.com Michael Wyll is a Senior Account Executive at Visio Lending, bringing over 20 years of experience in mortgage lending across conventional and non-QM products. A graduate of the University of Texas at Austin (BBA in Finance) and Southern Methodist University (MBA), he has closed more than $135 million in nearly 500 DSCR and investment property loans nationwide. Michael is known for clear communication, strategic guidance, and personalized support that help investors scale their rental portfolios confidently. John Sperling Senior Account Executive at Visio Lendingjohn.sperling@visiolending.comvisioloans.com John Sperling is a seasoned mortgage professional and Senior Account Executive at Visio Lending. A USC alumnus, he spent 12 years leading USA Mortgage in Texas before joining Visio in 2013. Since then, he has funded over $700 million in DSCR loans across nearly 3,000 transactions, helping clients finance both long-term and vacation rentals in key markets like Florida, Georgia, New Jersey, and Texas. John is trusted for his transparency, expertise, and commitment to helping investors build scalable rental portfolios.