Griffin Funding vs Lima One Capital
What each lender publishes about financing short-term rentals, side by side. Griffin Funding: all 50 states + dc. Lima One Capital: all except ak, nd, sd, vt.
The short version
- Griffin Funding accepts STR history or a projection; Lima One Capital qualifies STR income on a projection.
- Griffin Funding has the lower minimum credit score (620 vs 700).
- Griffin Funding has the higher max purchase LTV (85% vs 75%).
- Griffin Funding has the higher max cash-out LTV (80% vs 70%).
- Lima One Capital has the lower minimum loan ($75K vs $100K).
- Only Lima One Capital publishes a minimum DSCR (1.30).
- Griffin Funding allows first-time investors; Lima One Capital does not publish a policy on them.
Based only on published figures, checked Oct 19, 2026. Published maximums usually need top credit. Confirm with the lender.
| Term | Griffin FundingDirect lender (consumer-direct) | Lima One CapitalDirect lender |
|---|---|---|
| STR income method | Either griffinfunding.com · checked Oct 19, 2026 | Projection Lender sources · checked Oct 18, 2026 |
| STR income details | 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 | Dedicated STR loan underwritten using AirDNA and other STR market data. See lender sources |
| Min credit score | 620 griffinfunding.com · checked Oct 19, 2026 | 700 limaone.com · checked Oct 19, 2026 |
| Min DSCR | Not published | 1.30 limaone.com · checked Oct 19, 2026 |
| DSCR below 1.0 | Yes Lender sources · checked Oct 18, 2026 | No Lender sources · checked Oct 18, 2026 |
| No-ratio option | Yes Lender sources · checked Oct 18, 2026 | No limaone.com · checked Oct 19, 2026 |
| Max LTV (purchase) | 85% Lender sources · checked Oct 18, 2026 | 75% limaone.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 80% griffinfunding.com · checked Oct 19, 2026 | 70% limaone.com · checked Oct 19, 2026 |
| Min loan | $100K griffinfunding.com · checked Oct 19, 2026 | $75K limaone.com · checked Oct 19, 2026 |
| Max loan | $4.5M griffinfunding.com · checked Oct 19, 2026 | $2.5M limaone.com · checked Oct 19, 2026 |
| Prepayment | 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 | Flexible; a low or no prepayment penalty option is available for a higher fee and/or rate limaone.com · checked Oct 19, 2026 |
| States served | All 50 states + DC Lender sources · checked Oct 18, 2026 | All except AK, ND, SD, VT Does not lend in AK, ND, SD or VT; 46 states + DC. limaone.com · checked Oct 19, 2026 |
| First-time investors | Yes griffinfunding.com · checked Oct 19, 2026 | Not published |
| Channel | Direct lender (consumer-direct) | Direct lender |
| Last verified |
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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.