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Griffin Funding alternatives: lenders with similar or more flexible published STR terms
Other direct lenders we track, compared with Griffin Funding on the core loan terms both lenders publish. Each figure links to the lender page it came from, with the date we checked it.
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Based on published terms only; rates and pricing aren't compared. Confirm with each lender. A term one side doesn't publish is “not comparable (not published)” and doesn't count either way. Nothing here is a ranking.
Published terms at least as flexible on every field both publish
Equal or more flexible than Griffin Funding on every term both lenders publish, with at least 3 terms in common. ✓ = more flexible, = = the same. Sorted by how many terms can be compared, then how many are more flexible.
No direct lender we track publishes terms that are equal or more flexible than Griffin Funding's on every shared term (with at least 3 in common).
More flexible on some terms
More flexible than Griffin Funding on at least one term both publish, and less flexible or different on others. Both are listed so you can see the trade-off.
Less flexibleMin credit score: 720 vs 620; DSCR below 1.0: No vs Yes; Max LTV (purchase): 75% vs 85%; Max loan: $2.5M vs $4.5M; First-time investors: No vs Yes; States served: All except AK, AZ, ID, MI, MN, NV, ND, OR, SD, UT, VT vs All 50 states + DC
SameMax LTV (cash-out), STR income method
Not comparable (not published)Min DSCR, No-ratio option
Values: Defy Mortgage first, then Griffin Funding. Sources and check dates are on each lender page.
Less flexibleMin credit score: 660 vs 620; DSCR below 1.0: No vs Yes; No-ratio option: No vs Yes; Max LTV (purchase): 75% vs 85%; Max LTV (cash-out): 70% vs 75%; Max loan: $2.5M vs $4.5M; States served: All except AK, ND, SD, VT vs All 50 states + DC
SameSTR income method
Not comparable (not published)Min DSCR, First-time investors
Values: Lima One Capital first, then Griffin Funding. Sources and check dates are on each lender page.
Less flexibleMin credit score: 660 vs 620; Max loan: $3M vs $4.5M; STR income method: 12-month history vs Either; States served: Licensed in 49 states/DC vs All 50 states + DC
SameDSCR below 1.0, First-time investors
Not comparable (not published)Min DSCR, No-ratio option, Max LTV (purchase), Max LTV (cash-out)
Values: NQM Funding first, then Griffin Funding. Sources and check dates are on each lender page.
Not comparable (not published)Min DSCR, DSCR below 1.0, Max LTV (purchase), Max LTV (cash-out), Min loan, STR income method, First-time investors, States served
Values: Truss Financial Group first, then Griffin Funding. Sources and check dates are on each lender page.
Lower minimum credit score, minimum DSCR and minimum loan count as more flexible; so do higher max LTVs and max loan, a published “Yes” on DSCR below 1.0, no-ratio and first-time investors, an STR income method that accepts projections where Griffin Funding counts booking history only, and a state list that includes all of Griffin Funding's states plus more. Projection and Either both accept projections, so they count as the same. Referral sources are left out.
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.