Griffin Funding for Oregon 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.
Oregon context
Oregon SB 608 statewide rent control. DSCR economics challenged.
How Griffin Funding positions in Oregon
The Oregon lender pool for DSCR includes Griffin Funding among the active platforms. Oregon top metros (Portland, Eugene, Salem) see meaningful Griffin Funding loan volume.
City-level coverage in Oregon
Griffin Funding provides DSCR coverage across Oregon metros including Portland, Eugene, and Salem. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Griffin Funding program terms apply uniformly across Oregon 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 |
| Oregon property tax | 1% |
| Oregon state income tax | 9.9% |
Griffin Funding strengths in Oregon
- 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 Oregon. Griffin Funding is based in an undisclosed location and operates nationally.
Portland is the top investor market in Oregon and falls within Griffin Funding national coverage. Portland property tax follows the Oregon state rate of 1 percent. Griffin Funding typically underwrites Portland acquisitions at standard rate sheets.
Yes. Eugene ranks among the larger Oregon investor metros and sees consistent DSCR loan volume from Griffin Funding. Submarket variation within Eugene matters for property selection.
Griffin Funding applies the same rate sheet across Oregon metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Portland, Eugene, and Salem all qualify for the same Griffin Funding program.
Griffin Funding indicative DSCR rate range is 6.1 to 7.5 percent.
Oregon SB 608 statewide rent control. DSCR economics challenged. Griffin Funding follows standard business-purpose loan structures.
Griffin Funding funds rental DSCR in Oregon.
Oregon allows standard DSCR prepay structures; Griffin Funding typically uses 3-5 year step down.
Griffin Funding typical close: Not publicly published.
Bottom line
Oregon 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.