Griffin Funding for Kentucky 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.
Kentucky context
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant.
How Griffin Funding positions in Kentucky
The Kentucky lender pool for DSCR includes Griffin Funding among the active platforms. Kentucky top metros (Louisville, Lexington, Bowling Green) see meaningful Griffin Funding loan volume.
City-level coverage in Kentucky
Griffin Funding provides DSCR coverage across Kentucky metros including Louisville, Lexington, and Bowling Green. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Griffin Funding program terms apply uniformly across Kentucky 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 |
| Kentucky property tax | 0.9% |
| Kentucky state income tax | 4.5% |
Griffin Funding strengths in Kentucky
- 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 Kentucky. Griffin Funding is based in an undisclosed location and operates nationally.
Louisville is the top investor market in Kentucky and falls within Griffin Funding national coverage. Louisville property tax follows the Kentucky state rate of 0.9 percent. Griffin Funding typically underwrites Louisville acquisitions at standard rate sheets.
Yes. Lexington ranks among the larger Kentucky investor metros and sees consistent DSCR loan volume from Griffin Funding. Submarket variation within Lexington matters for property selection.
Griffin Funding applies the same rate sheet across Kentucky metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Louisville, Lexington, and Bowling Green all qualify for the same Griffin Funding program.
Griffin Funding indicative DSCR rate range is 6.1 to 7.5 percent.
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant. Griffin Funding follows standard business-purpose loan structures.
Griffin Funding funds rental DSCR in Kentucky.
Kentucky allows standard DSCR prepay structures; Griffin Funding typically uses 3-5 year step down.
Griffin Funding typical close: Not publicly published.
Bottom line
Kentucky 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.