Griffin Funding for Arkansas investors
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.
Arkansas context
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics.
How Griffin Funding positions in Arkansas
Within Arkansas, Griffin Funding competes alongside other DSCR lenders. Griffin Funding strengths: In-house lending up to $4.5M, with exceptions considered to $20M, No-ratio DSCR program available. The high aggregate DSCR economics of Arkansas create demand for Griffin Funding programs in Little Rock and Fayetteville particularly.
City-level coverage in Arkansas
Griffin Funding provides DSCR coverage across Arkansas metros including Little Rock, Fayetteville, and Fort Smith. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Griffin Funding program terms apply uniformly across Arkansas metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | — - $5.0M |
| Rates | 6.1%-7.5% |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Arkansas property tax | 0.6% |
| Arkansas state income tax | 4.4% |
Griffin Funding strengths in Arkansas
- 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.
FAQ
Yes, operates nationally including Arkansas. Griffin Funding is based in an undisclosed location and operates nationally.
Little Rock is the top investor market in Arkansas and falls within Griffin Funding national coverage. Little Rock property tax follows the Arkansas state rate of 0.6 percent. Griffin Funding typically underwrites Little Rock acquisitions at standard rate sheets.
Yes. Fayetteville ranks among the larger Arkansas investor metros and sees consistent DSCR loan volume from Griffin Funding. Submarket variation within Fayetteville matters for property selection.
Griffin Funding applies the same rate sheet across Arkansas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Little Rock, Fayetteville, and Fort Smith all qualify for the same Griffin Funding program.
Griffin Funding indicative DSCR rate range is 6.1 to 7.5 percent.
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics. Griffin Funding follows standard business-purpose loan structures.
Griffin Funding funds rental DSCR in Arkansas.
Arkansas allows standard DSCR prepay structures; Griffin Funding typically uses 3-5 year step down.
Griffin Funding typical close: Not publicly published.
Bottom line
Griffin Funding in Arkansas works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Griffin Funding.