Griffin Funding for Missouri 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.
Missouri context
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market.
How Griffin Funding positions in Missouri
For Missouri specifically, Griffin Funding fits investors who match the hard money approach. The high cash flow profile of Missouri aggregate makes it a target market for Griffin Funding.
City-level coverage in Missouri
Griffin Funding provides DSCR coverage across Missouri metros including St. Louis, Kansas City, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Griffin Funding program terms apply uniformly across Missouri 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 |
| Missouri property tax | 1% |
| Missouri state income tax | 4.95% |
Griffin Funding strengths in Missouri
- 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 Missouri. Griffin Funding is based in an undisclosed location and operates nationally.
St. Louis is the top investor market in Missouri and falls within Griffin Funding national coverage. St. Louis property tax follows the Missouri state rate of 1 percent. Griffin Funding typically underwrites St. Louis acquisitions at standard rate sheets.
Yes. Kansas City ranks among the larger Missouri investor metros and sees consistent DSCR loan volume from Griffin Funding. Submarket variation within Kansas City matters for property selection.
Griffin Funding applies the same rate sheet across Missouri metros. Pricing variation comes from property-specific factors rather than metro location within the same state. St. Louis, Kansas City, and Springfield all qualify for the same Griffin Funding program.
Griffin Funding indicative DSCR rate range is 6.1 to 7.5 percent.
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market. Griffin Funding follows standard business-purpose loan structures.
Griffin Funding funds rental DSCR in Missouri.
Missouri 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 Missouri 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.