Griffin Funding for Montana 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.
Montana context
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity.
How Griffin Funding positions in Montana
The Montana lender pool for DSCR includes Griffin Funding among the active platforms. Montana top metros (Billings, Bozeman, Missoula) see meaningful Griffin Funding loan volume.
City-level coverage in Montana
Griffin Funding provides DSCR coverage across Montana metros including Billings, Bozeman, and Missoula. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Griffin Funding program terms apply uniformly across Montana 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 |
| Montana property tax | 0.8% |
| Montana state income tax | 6.75% |
Griffin Funding strengths in Montana
- 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 Montana. Griffin Funding is based in an undisclosed location and operates nationally.
Billings is the top investor market in Montana and falls within Griffin Funding national coverage. Billings property tax follows the Montana state rate of 0.8 percent. Griffin Funding typically underwrites Billings acquisitions at standard rate sheets.
Yes. Bozeman ranks among the larger Montana investor metros and sees consistent DSCR loan volume from Griffin Funding. Submarket variation within Bozeman matters for property selection.
Griffin Funding applies the same rate sheet across Montana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Billings, Bozeman, and Missoula all qualify for the same Griffin Funding program.
Griffin Funding indicative DSCR rate range is 6.1 to 7.5 percent.
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity. Griffin Funding follows standard business-purpose loan structures.
Griffin Funding funds rental DSCR in Montana.
Montana allows standard DSCR prepay structures; Griffin Funding typically uses 3-5 year step down.
Griffin Funding typical close: Not publicly published.
Bottom line
Montana 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.