Griffin Funding for Maryland 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.
Maryland context
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law.
How Griffin Funding positions in Maryland
Within Maryland, 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 medium aggregate DSCR economics of Maryland create demand for Griffin Funding programs in Baltimore and Frederick particularly.
City-level coverage in Maryland
Griffin Funding provides DSCR coverage across Maryland metros including Baltimore, Frederick, and Annapolis. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Griffin Funding program terms apply uniformly across Maryland 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 |
| Maryland property tax | 1% |
| Maryland state income tax | 5.75% |
Griffin Funding strengths in Maryland
- 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 Maryland. Griffin Funding is based in an undisclosed location and operates nationally.
Baltimore is the top investor market in Maryland and falls within Griffin Funding national coverage. Baltimore property tax follows the Maryland state rate of 1 percent. Griffin Funding typically underwrites Baltimore acquisitions at standard rate sheets.
Yes. Frederick ranks among the larger Maryland investor metros and sees consistent DSCR loan volume from Griffin Funding. Submarket variation within Frederick matters for property selection.
Griffin Funding applies the same rate sheet across Maryland metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Baltimore, Frederick, and Annapolis all qualify for the same Griffin Funding program.
Griffin Funding indicative DSCR rate range is 6.1 to 7.5 percent.
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law. Griffin Funding follows standard business-purpose loan structures.
Griffin Funding funds rental DSCR in Maryland.
Maryland 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 Maryland 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.