Griffin Funding for Colorado 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.
Colorado context
Colorado property tax low. Mountain STR markets (Vail, Breckenridge, Aspen) premium. Statewide rent control discussions active.
How Griffin Funding positions in Colorado
Colorado is well covered by national DSCR lenders, with Griffin Funding as one option. Where Griffin Funding differentiates: In-house lending up to $4.5M, with exceptions considered to $20M. Where it competes: rates 6.1 to 7.5 percent against peer programs.
City-level coverage in Colorado
Griffin Funding provides DSCR coverage across Colorado metros including Denver, Colorado Springs, and Fort Collins. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Griffin Funding program terms apply uniformly across Colorado 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 |
| Colorado property tax | 0.5% |
| Colorado state income tax | 4.4% |
Griffin Funding strengths in Colorado
- 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 Colorado. Griffin Funding is based in an undisclosed location and operates nationally.
Denver is the top investor market in Colorado and falls within Griffin Funding national coverage. Denver property tax follows the Colorado state rate of 0.5 percent. Griffin Funding typically underwrites Denver acquisitions at standard rate sheets.
Yes. Colorado Springs ranks among the larger Colorado investor metros and sees consistent DSCR loan volume from Griffin Funding. Submarket variation within Colorado Springs matters for property selection.
Griffin Funding applies the same rate sheet across Colorado metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Denver, Colorado Springs, and Fort Collins all qualify for the same Griffin Funding program.
Griffin Funding indicative DSCR rate range is 6.1 to 7.5 percent.
Colorado property tax low. Mountain STR markets (Vail, Breckenridge, Aspen) premium. Statewide rent control discussions active. Griffin Funding follows standard business-purpose loan structures.
Griffin Funding funds rental DSCR in Colorado.
Colorado allows standard DSCR prepay structures; Griffin Funding typically uses 3-5 year step down.
Griffin Funding typical close: Not publicly published.
Bottom line
Colorado investors considering Griffin Funding should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Griffin Funding.