Overview
Griffin Funding is a direct hard money and DSCR lender founded in 2013, licensed in 47 states. It lends up to $4.5M in-house with exceptions considered to $20M, and offers a no-ratio DSCR program. Published DSCR rates run 6.1%–7.5%, with a 620 minimum credit score and 0.75 minimum DSCR.
Griffin Funding was founded in 2013. They operate nationally and offer rental DSCR financing. Their loan amount range runs from — to $5.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | rental DSCR |
| Geographic coverage | National |
| Loan size | — – $5.0M |
| Interest rate range | 6.1% – 7.5% |
| Origination points | Not publicly published |
| Minimum credit score | 620 |
| Minimum DSCR | 0.75 |
| How to access | Direct |
| Max LTV | 80% of ARV |
| Max LTC | 80% of cost |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
Strengths
- In-house lending up to $4.5M, with exceptions considered to $20M
- No-ratio DSCR program available
- Licensed in 47 states
- Direct lender
Ideal borrower
Investor seeking a direct DSCR lender with high in-house loan limits and a no-ratio program for below-market-DSCR properties.
How Griffin Funding compares
As an institutional non-QM lender, Griffin Funding's underwriting is templated and predictable. That is fast for a borrower who fits the box and inflexible for one who does not.
Coverage is the constraint most investors hit first. Griffin Funding serves National, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for Griffin Funding cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
Griffin Funding FAQ
Griffin Funding serves National. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
Griffin Funding's indicative rate range is 6.1%–7.5%. Pricing depends on credit, leverage, coverage ratio and experience, and moves with the market.
Griffin Funding's typical minimum loan is —, with maximum loan size up to $5.0M.
Griffin Funding's typical close timeline is Not publicly published. Fast-close depends on documentation quality, title clarity, and underwriting load.
Griffin Funding offers rental DSCR financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Investor seeking a direct DSCR lender with high in-house loan limits and a no-ratio program for below-market-DSCR properties.
This review is an independent directory listing. DSCR Loan Program is not affiliated with Griffin Funding, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.