Griffin Funding: DSCR loans for short-term rentals
What Griffin Funding publishes about financing Airbnb and vacation rentals. Checked 2026-10-18. Lender website ↗
Published STR loan terms
- How STR income is counted
- Projection: Qualifies on a projection (e.g., AirDNA or a short-term rent analysis), so no booking history is needed.
- Details
- State guide says it can calculate DSCR from AirDNA comparables even without prior rental history.
- Minimum credit score
- 620
- Minimum DSCR
- Not published
- DSCR below 1.0 allowed
- Yes
- No-ratio option
- Yes
- Max LTV (purchase)
- 85%
- Max LTV (cash-out refi)
- 80%
- Minimum loan
- $100K
- Maximum loan
- $4.5M
- Prepayment options
- Not published
- States served
- All 50 states + DC
- First-time investors
- Not published
- Channel
- Direct lender (consumer-direct)
Notes: No minimum DSCR; no-ratio program up to 75% LTV with 700+ FICO. 15% down (85% LTV) requires 740+ credit. Licensed in 47 states + DC; originates DSCR in all 50 + DC.
Sources
- https://griffinfunding.com/non-qm-mortgages/dscr-loans/ (checked 2026-10-18)
- https://griffinfunding.com/non-qm-mortgages/dscr-loans/dscr-loans-new-york/ (checked 2026-10-18)
"Not published" means we did not find the figure on the pages above. It does not mean the lender lacks a policy. Ask the lender.
Does it serve your state?
- Florida: Yes
- Texas: Yes
- Georgia: Yes
- Tennessee: Yes
- North Carolina: Yes
- Arizona: Yes
- California: Yes
Check a deal against Griffin Funding
Run your numbers in the DSCR calculator. It shows which lenders' published minimums your deal clears.
Similar lenders (Projection)
Not lending advice. Not a broker. STR Lender Watch is an independent research site. We do not make loans, arrange loans, take applications, or recommend any lender. Figures are summarized from each lender's own public pages on the date shown and can change without notice. Rate figures are estimates, not quotes. Talk to a licensed loan officer and your own advisors before making decisions.