Acra Lending vs Griffin Funding
What each lender publishes about financing short-term rentals, side by side. Acra Lending: all except ak, nd, sd. Griffin Funding: all 50 states + dc.
The short version
- Acra Lending needs 12 months of STR history; Griffin Funding accepts STR history or a projection.
- Griffin Funding has the lower minimum credit score (620 vs 640).
- Griffin Funding has the higher max purchase LTV (85% vs 75%).
- Griffin Funding has the higher max cash-out LTV (80% vs 70%).
- Both publish a $100K minimum loan.
- Neither publishes a minimum DSCR.
- Acra Lending does not publish a policy on first-time investors; Griffin Funding allows them.
Based only on published figures, checked Oct 19, 2026. Published maximums usually need top credit. Confirm with the lender.
| Term | Acra LendingWholesale | Griffin FundingDirect lender (consumer-direct) |
|---|---|---|
| STR income method | 12-month history Lender sources · checked Oct 18, 2026 | Either griffinfunding.com · checked Oct 19, 2026 |
| STR income details | STR allowed case-by-case. Refinances need 12-month rental-agency ledgers; purchases use the appraiser's market rent under standard DSCR rules. See lender sources | 12-month history: 12 months Airbnb/Vrbo history; 80% where a 20% expense factor applies, 100% on other programs. Projection: Purchase: AirDNA and/or appraiser STR analysis (often the lower of the two); 80% or 100% by program. griffinfunding.com · checked Oct 19, 2026 |
| Min credit score | 640 api.acralending.com · checked Oct 19, 2026 | 620 griffinfunding.com · checked Oct 19, 2026 |
| Min DSCR | Not published | Not published |
| DSCR below 1.0 | Yes api.acralending.com · checked Oct 19, 2026 | Yes Lender sources · checked Oct 18, 2026 |
| No-ratio option | Yes api.acralending.com · checked Oct 19, 2026 | Yes Lender sources · checked Oct 18, 2026 |
| Max LTV (purchase) | 75% api.acralending.com · checked Oct 19, 2026 | 85% Lender sources · checked Oct 18, 2026 |
| Max LTV (cash-out/refi) | 70% api.acralending.com · checked Oct 19, 2026 | 80% griffinfunding.com · checked Oct 19, 2026 |
| Min loan | $100K api.acralending.com · checked Oct 19, 2026 | $100K griffinfunding.com · checked Oct 19, 2026 |
| Max loan | $3M api.acralending.com · checked Oct 19, 2026 | $4.5M griffinfunding.com · checked Oct 19, 2026 |
| Prepayment | 1-5 year options (fixed or 5/4/3/2/1 step-down) or no prepay api.acralending.com · checked Oct 19, 2026 | 0-5 year terms; common structure is a 5-year step-down (5/4/3/2/1); can be bought out at closing griffinfunding.com · checked Oct 19, 2026 |
| States served | All except AK, ND, SD Lender sources · checked Oct 18, 2026 | All 50 states + DC Lender sources · checked Oct 18, 2026 |
| First-time investors | Not published | Yes griffinfunding.com · checked Oct 19, 2026 |
| Channel | Wholesale | Direct lender (consumer-direct) |
| Last verified |
More comparisons
Free · Weekly
- Where the 10-year Treasury moved and what it means for STR loan pricing
- Lender term changes flagged on the lenders' own pages
- A short, plain-English STR financing explainer
No spam, unsubscribe anytime. Form not loading? Subscribe here.
Not a lender or broker. No referral fees. For education only. Figures come from each lender's public pages on the date shown and can change without notice, so verify them with the lender. Rates are estimates, not quotes. How we source data.