Griffin Funding Review for Foreign National Investors Buying US Rental Property

The research in brief

Griffin Funding is a good, but not fully verified, fit for a non-resident foreign national buying a US rental property without US credit history or US income. Three of seven platforms named it during the ranking stage (DeepSeek, Grok, Perplexity), and it finished third overall. Its strongest advantage is a published foreign-national program that pairs DSCR qualification on rental income with no required SSN, Green Card, visa, or FICO score for certain programs ^[15]. The main limitation is that the decisive terms—foreign-national DSCR down payment, reserves, visa rules, wire and currency handling, entity ownership, rates, and prepayment penalties—are either unpublished, file-specific, or contradicted across sources.

Research Snapshot

Why Griffin Funding Qualified for This Study

Questions explored

• Is Griffin Funding a good choice for a foreign national investor buying a US rental property without US credit?
• Why did AI platforms include Griffin Funding in a foreign national DSCR lender ranking?

Griffin Funding qualified because it publicly markets both foreign-national lending and DSCR investor loans, the two product categories this use case requires. Its foreign-national page describes non-resident foreign-national financing, eligible investment properties, general 20% down guidance, alternative documentation, DSCR options, loan amounts up to $5 million, and foreign-national DSCR qualification based on rental income ^[15]. The company identifies foreign-national loans and DSCR loans among its non-QM offerings and states that it operates with licenses across the United States ^[9].

Independent directory and review sources also place Griffin in this niche. Private Lender Link lists foreign national ITIN loans available for those without SSN, FICO, or ITIN ^[28], and ProInvestorHub describes Griffin as lending to foreign nationals in a thin market where few lenders compete ^[29]. A Defy Mortgage comparison states that Griffin, Angel Oak, and Defy all support foreign borrowers ^[23].

Three of seven platforms named Griffin Funding during ranking discovery, which is why it appears in this study. That mention count reflects ranking-stage discovery only; all seven platforms evaluated fit, and their verdicts ranged from good to uncertain.

The mortgage offering in focus

Questions explored

• Which Griffin Funding loan program should a foreign national investor without US income ask about first?
• Does Griffin Funding's foreign national DSCR loan qualify a non-resident on rental income instead of US credit?

The relevant offer is Griffin Funding's Foreign National DSCR loan, marketed alongside its broader Foreign National Loans and Non-U.S. Citizen Mortgages program. Platforms named it slightly differently—"Foreign National DSCR," "Foreign National Loans and Non-U.S. Citizen Mortgages," and "Griffin Funding Foreign National DSCR / Investor Non-QM Loan"—but all point to the same foreign-national investor product family.

Griffin describes foreign-national DSCR loans as qualifying based on rental income generated by the property rather than the borrower's personal income or US credit history ^[15]. Its general DSCR page states that qualification uses property cash flow, that no minimum DSCR applies under its described program, that sub-1.0 DSCR files may be funded with compensating factors, and that entity titling may be available depending on the program ^[14]. A separate Griffin page says foreign nationals can qualify without an SSN or US credit history and that foreign national loans may require a visa or visa waiver plus three active trade lines ^[13].

The foreign-national page lists investment properties and typically up-to-four-unit properties among potentially eligible property types, subject to program, property, state, and underwriting review ^[15]. Griffin's foreign-national materials state a general minimum down payment of 20% and explain that foreign-national loans may require more ^[15]. One independent summary reports Griffin publishing a 20% minimum down payment for this category, up to $5 million, with non-warrantable condo eligibility ^[37].

What the AI Platforms Agreed About

Questions explored

• What do AI platforms agree Griffin Funding offers foreign national rental property investors?
• Is Griffin Funding's DSCR qualification genuinely based on rental income rather than US personal income?

Platforms broadly agreed on four points.

First, Griffin Funding publicly offers foreign-national or non-US-citizen mortgage programs. OpenAI, Anthropic, Perplexity, Google, DeepSeek, Grok, and Kimi all reference Griffin marketing foreign-national or non-QM products ^[15].

Second, DSCR qualification is the core mechanism. Griffin's own materials state that foreign-national DSCR loans qualify on the property's rental income rather than personal income or US credit history ^[15], and its homepage says DSCR loans let investors qualify using property cash flow rather than personal income ^[2].

Third, US credit and income documentation are not always required. Griffin states that some foreign-national programs may not require an SSN, Green Card, visa, or FICO score and may use foreign credit reports or alternative documentation ^[6]. Google's platform reported that borrowers do not need a US credit score and may prove creditworthiness through alternative references or foreign credit reports ^[12].

Fourth, Griffin is a licensed, regulated lender. Company materials state it is licensed in 47 states plus DC, CFPB-regulated, HUD FHA approved, and a VA-Approved Lender ^[5]. These are company claims, not independent verification.

Where the AI Platforms Disagreed or Were Uncertain

Questions explored

• Does Griffin Funding require a visa for foreign national borrowers, or can a non-resident qualify without one?
• Is Griffin Funding's foreign national DSCR program limited to California, and does it require 35% down?

Platforms disagreed on several material points, and buyers should treat each as unresolved.

Visa requirement. Griffin's foreign-national page says programs generally require a valid visa or visa waiver ^[15], while other Griffin materials state that foreign nationals may qualify without a visa ^[6]. Private Lender Link states a visa or visa waiver plus three active trade lines with two-year history is required ^[28]. This is a direct internal conflict.

Down payment. Griffin's foreign-national guidance states at least 20% down, with some lenders requiring more ^[15]. However, independent California-focused reviews consistently report a 35%+ down payment requirement for foreign nationals ^[24]. It is unclear whether 35% is a California-only restriction or a broader policy. Griffin's separate DSCR page discusses 15% down for eligible borrowers with 740+ credit, but that example is not evidence that 15% is available to a non-resident foreign national without US credit ^[4].

Geographic availability. Anthropic's platform reported that foreign national lending is restricted to California, while Griffin originates DSCR loans nationwide with licenses in 47 states plus DC ^[5]. Other platforms did not report a California-only restriction, and Perplexity noted state availability was not fully verifiable ^[10]. This conflict is unresolved.

LTV and DSCR floors. Proplify lists Griffin foreign-national DSCR terms as minimum DSCR 0.75, FICO 620, max LTV 85% purchase, with a 5% haircut, nationwide ^[30]. Griffin's own general DSCR page states no minimum DSCR and 15% minimum down ^[14]. These figures do not clearly reconcile with the 35% down reports.

Wire and currency handling. No platform found Griffin-specific public detail on foreign-currency income, foreign assets, international wires, exchange-rate methodology, or currency conversion ^[15]. This is a gap, not a disagreement.

Entity ownership. Griffin's general DSCR page says eligible loans may be titled in an LLC or other entity structures depending on the program ^[14]. A Griffin page indicates the standard LLC structure generally uses a US LLC with a personal guarantee and that a non-US entity is not the standard borrowing structure ^[7]. Whether a non-resident foreign national may use a foreign entity for the specific foreign-national DSCR product is unconfirmed.

Pricing. No public foreign-national DSCR rate, APR, points schedule, or lender-fee schedule was identified ^[15]. Griffin's general DSCR page lists September 2026 rates starting at 6.375% for 30-year fixed with 1-year ARM at 5.375% and loan amounts up to $4.5 million ^[14], and ProInvestorHub reports investor loans running 6.5%–9% with 80% LTV, 620 credit minimum, and $100K–$5M ^[29]. Google's platform reported foreign-national DSCR rates typically carry a 0.75%–1.00% premium over domestic DSCR rates (Evidence ID google:2.4.4 context), but no Griffin-specific foreign-national rate was published.

Mortgage features for this borrowing need

Questions explored

• What DSCR flexibility does Griffin Funding offer a foreign national investor with weak rental cash flow?
• How large a loan can Griffin Funding fund for a foreign national rental property purchase?

Griffin's published capabilities map reasonably well to this buyer profile, with caveats.

DSCR-based qualification. Griffin describes foreign-national DSCR loans as qualifying on rental income rather than personal income or US credit history ^[15]. Its general DSCR materials state no minimum DSCR applies under its described program and that sub-1.0 DSCR files may be funded with compensating factors ^[14]. Google's platform reported Griffin qualifying properties down to 0.75 DSCR with a no-ratio program available ^[3]. Grok's platform reported a minimum DSCR of 0.75 for Griffin foreign-national DSCR ^[30]. These figures come from different sources and may not apply identically to the foreign-national product.

Credit and documentation alternatives. Griffin states that some foreign-national programs may not require an SSN, Green Card, visa, or FICO score and may use foreign credit reports or alternative documentation ^[6]. Published alternatives include foreign bank statements, employer verification, foreign credit reports, other financial records, and DSCR qualification ^[15]. Perplexity's platform reported foreign nationals may need three active open trade lines with two-year history, and that foreign credit reports may be accepted as alternative evidence ^[13].

Loan size. Griffin's foreign-national page advertises loan amounts up to $5 million ^[15]. Company materials state Griffin funds DSCR loans in-house up to $4.5 million with exceptions to $20 million ^[5]. America Mortgages' comparison page reports Griffin caps loans around $4 million ^[31]. These are company-published maximums or third-party reports, not guaranteed terms.

Property types. Griffin's DSCR loans cover 1–4 unit residential, condos, and short-term and long-term rentals including Airbnb and VRBO ^[27]. Non-warrantable condos may be financeable ^[15]. Rural properties are excluded from Griffin's rental loan products ^[27].

Reserves. Griffin's foreign-national materials describe reserves covering several months of mortgage payments but do not state a uniform reserve amount for foreign-national DSCR borrowers ^[15]. Private Lender Link reports Griffin requires 6 months of reserves on most programs ^[26].

Licensing. Griffin states it is licensed in 47 states plus DC, CFPB-regulated, HUD FHA approved, and a VA-Approved Lender ^[5]. Company materials state it originates DSCR loans in all 50 states and DC with licenses in 47 states plus DC ^[5].

Rates, fees, and ongoing costs

Questions explored

• How much does a Griffin Funding foreign national DSCR loan cost, and are rates or fees published?
• What prepayment penalty should a foreign national investor expect on a Griffin Funding DSCR loan?

Exact foreign-national DSCR pricing is not publicly available. Griffin states that rates depend on the borrower, property, down payment, credit profile, income or rental cash flow, and market conditions, and that foreign-national loans generally carry higher rates than conventional loans ^[15]. No public foreign-national DSCR rate, APR, points schedule, or lender-fee schedule was identified ^[15].

Available general DSCR pricing points, which may not apply to foreign-national files:

• Griffin's DSCR page lists September 2026 rates starting at 6.375% for 30-year fixed and 5.375% for a 1-year ARM, with loan amounts up to $4.5 million ^[14].
• ProInvestorHub reports Griffin investor loans running 6.5%–9% with 80% LTV, 620 credit minimum, and $100K–$5M ^[29].
• HonestCasa reports California rates 0.25%–0.50% lower than national lenders ^[24].
• Grok's platform reported DSCR rates starting around 6.375% in 2026, with foreign-national programs typically adding a 0.5%–1.5% premium per industry patterns, and no Griffin-specific foreign-national pricing published ^[14].
• Google's platform reported foreign-national DSCR rates typically carry a 0.75%–1.00% premium over standard domestic DSCR rates (Evidence ID google:2.4.4 context).

Fees. Exact application, underwriting, processing, appraisal, broker, extension, wire, and foreign-document translation fees are unclear ^[15]. Potential currency-conversion or international-wire costs are unclear ^[15]. One platform reported a processing fee for non-California loans ($695 mentioned for one state example, but not uniform across all regions) (Evidence ID anthropic:35-1 context). Origination is reported at 0–2 points, and can be zero for certain deals (Evidence ID anthropic:35-1 context).

Prepayment penalties. Griffin's DSCR loans carry prepayment penalties ranging from zero to five-year terms, disclosed upfront in writing, with no-penalty options available for borrowers seeking maximum flexibility; fixed-rate products typically carry 3-year step-down penalties ^[29]. Company materials state Griffin offers 6-month and 1-year ARMs with no penalties and 30/40-year fixed with 0–5 year penalties ^[5]. No public foreign-national DSCR commitment, lock, cancellation, extension, or prepayment terms were identified ^[15].

Disclosure. Griffin states rate, points, fees, and prepayment penalties are disclosed in writing upfront in all cases, with advance notice of changes ^[14]. DSCR loans are business-purpose products and fall outside federal TRID disclosure rules; Griffin claims to exceed minimum transparency requirements (Evidence ID anthropic:29-5 context).

Closing timeline. Griffin's typical DSCR closing timeline averages 21–30 days ^[29]. Company materials state Griffin averaged 34 days in 2025, improving in 2026 with AI underwriting ^[5]. America Mortgages' comparison page reports an average close time of 34 days ^[31].

Best Suited For

Questions explored

• Who is Griffin Funding best suited for among foreign national rental property investors?
• Is Griffin Funding a good fit for a foreign national investor who wants DSCR qualification without US tax returns?

Griffin Funding is best suited for non-resident foreign nationals buying eligible one-to-four-unit US rental property who want qualification based primarily on the subject property's rental cash flow ^[15]. It fits borrowers without an SSN, US credit history, or conventional personal-income documentation who are willing to provide alternative financial, identity, credit, asset, and reserve documentation ^[15].

It also fits investors who value regulatory oversight and upfront written disclosure. Griffin is licensed in 47 states plus DC, CFPB-regulated, HUD FHA approved, and a VA-Approved Lender, and states it discloses rates, points, fees, and prepayment penalties in writing upfront ^[5]. ProInvestorHub describes Griffin's combination of low credit requirements (620 DSCR) with foreign national programs as a rare combination ^[29].

Investors seeking larger loan capacity may also fit: Griffin funds DSCR loans in-house up to $4.5 million with exceptions to $20 million ^[5], and its foreign-national page advertises loan amounts up to $5 million ^[15].

Probably Not Best Suited For

Questions explored

• Who should not choose Griffin Funding for a foreign national US rental property loan?
• Is Griffin Funding a poor fit for a foreign national investor who needs published rates and fee schedules before applying?

Griffin Funding is probably not best suited for borrowers seeking the lowest conventional mortgage pricing or minimal down payment ^[15]. It is also a weak fit for borrowers who need a publicly documented, standardized foreign-national DSCR rate sheet and fee schedule before applying, because no such public schedule was identified ^[15].

Anthropic's platform reported that the foreign national program is restricted to California with a 35%+ down payment requirement, making Griffin a weak fit for investors in other states or with lower down payment capacity under that reading ^[24]. That restriction conflicts with other sources and remains unresolved.

Other reported limitations: transactions involving unusual property types, weak rental cash flow, restricted jurisdictions, or complex foreign-company ownership unless Griffin confirms eligibility ^[15]; rural properties, which are excluded from Griffin's rental loan products ^[27]; borrowers needing rapid bridge financing or short-term acquisition loans, since Griffin has no bridge product ^[33]; and non-English-speaking investors requiring multilingual support, since Griffin operates in English during US business hours without international offices ^[31].

When Another Option May Be Better

Questions explored

• What is a better alternative to Griffin Funding for a foreign national investor who needs published foreign national DSCR terms?
• When should a foreign national investor choose a different lender instead of Griffin Funding?

Another option may be better in several documented situations.

When published foreign-national DSCR terms are required upfront. America Mortgages publishes an AM Premier+ foreign national DSCR program with up to 75% LTV purchase, $150K–$1M loan amount, foreign credit accepted, no US residency, SSN, or personal income required, 2% origination success fee, 30–45 day closing, and a US LLC recommended ^[21]. HomeAbroad publishes foreign national DSCR terms with DSCR at or above 1.0 for best terms and down to 0.75 eligible with higher down payment, no US credit required, 25% down, 75% LTV purchase, 70% cash-out, 6 months reserves, and rates of 6.87%–7.12% as of September 2026 ^[16]. PeerSense publishes foreign national DSCR rates of 8.25%–10.5%, 65%–70% max LTV, 12–24 months reserves, and a 45–60 day close ^[19].

When the property is outside California and the California-only restriction applies. Anthropic's platform recommended Angel Oak, Defy Mortgage, or Lima One Capital as primary alternatives for foreign nationals outside California (Evidence ID anthropic:28-2 context).

When the buyer needs bridge financing, multilingual support, or loans above $4.5M. America Mortgages / Global Mortgage Group is described as serving family offices, loans above $4M, bridge financing, and multilingual support, versus Griffin's limitations ^[34]. GMG also reports Griffin has no bridge product, a $4M maximum, a 34-day average, and prefers US documentation ^[33].

When the buyer needs a passport-only or no-visa program. Grok's platform recommended seeking passport-only foreign national programs if no visa is available, and lenders with multilingual or global support for complex international banking (Evidence ID grok:1 context).

When the buyer can qualify conventionally. If the borrower has strong US credit and documented US income and can qualify for conventional or investor financing at materially lower pricing, a specialized foreign-national program may not be necessary (Evidence ID openai:c1 context).

Questions to ask before choosing a lender

Questions explored

• What should a foreign national investor confirm with Griffin Funding before signing a foreign national DSCR contract?
• Which Griffin Funding foreign national program terms are unpublished and must be confirmed in writing?

The following items were flagged as unresolved or file-specific across platform research. Buyers should obtain written answers before committing.

1. Is the borrower eligible as a non-resident foreign national without an SSN, ITIN, US credit history, US income, US visa, or US residency? ^[15]
2. What is the exact minimum down payment and maximum LTV for this borrower's country, property type, loan amount, and DSCR? ^[15]
3. Is there a minimum DSCR for foreign-national borrowers, and can a DSCR below 1.0 qualify? What reserves or compensating factors are required? ^[15]
4. Are foreign bank statements, foreign credit reports, foreign employment income, and foreign assets accepted? What translation, certification, seasoning, and verification rules apply? ^[15]
5. Are funds from a foreign account accepted for earnest money, down payment, closing costs, and reserves? What wire and anti-money-laundering documentation is required? ^[15]
6. Are foreign-currency income and assets accepted, and what exchange-rate haircut or conversion methodology is used? ^[15]
7. Can title be held in a US LLC, foreign entity, corporation, partnership, or trust? Are personal guarantees required? ^[14]
8. Which property types, states, counties, condo projects, short-term-rental uses, and four-unit properties are eligible? ^[15]
9. What are the interest rate, APR, points, lender fees, appraisal fees, underwriting fees, reserves, and estimated cash-to-close? ^[15]
10. Is there a prepayment penalty? If so, what is its duration, structure, and applicable refinance or sale exceptions? ^[29]
11. What are the rate-lock period, lock-extension fees, underwriting timeline, closing-location requirements, and acceptable notary or power-of-attorney procedures? ^[15]
12. Is the quoted program actually underwritten as Foreign National DSCR rather than an ITIN, full-documentation, or conventional non-QM product? ^[15]
13. Does Griffin Funding currently originate foreign national DSCR loans directly, or broker to wholesale lenders? ^[2]
14. How does Griffin Funding handle OFAC sanctions screening, KYC, and FIRPTA compliance for foreign nationals? ^[19]

The consensus assessment

Griffin Funding is a good, but not fully verified, fit for a foreign national investor buying a US rental property without US credit history or US income. Three of seven platforms named it during ranking discovery, and it finished third overall. Platform fit ratings split: OpenAI, Perplexity, and Google rated it a good fit; Anthropic, DeepSeek, and Grok rated it mixed; Kimi rated it uncertain.

The strongest reason to consider Griffin Funding is that it publicly combines foreign-national lending with DSCR qualification based on rental income, without requiring an SSN, Green Card, visa, or FICO score for certain programs ^[15]. The main limitation is that the decisive terms—foreign-national DSCR down payment, reserves, visa rules, wire and currency handling, entity ownership, rates, and prepayment penalties—are unpublished, file-specific, or contradicted across sources ^[15].

Buyers should not proceed based only on website summaries. The unresolved conflicts—particularly the visa requirement, the 20% versus 35% down payment question, and the California-only restriction—must be confirmed in writing for the specific borrower, property, and state. AI-platform agreement on Griffin's marketing does not prove product quality or approval likelihood.

How This Review Was Produced

This review was produced from a structured research run dated 2026-09-30 covering seven AI platforms: OpenAI, Anthropic, Google, Grok, Perplexity, DeepSeek, and Kimi. Each platform was asked which providers it would recommend for a non-resident foreign national investor with no US credit score, no US tax filings, and no US employment who wants to buy a US residential rental property and qualify on the property's rental income.

Platform responses were collected with their cited sources, fit ratings, use-case findings, pricing and terms, limitations, and verification questions. Griffin Funding was included in this study because it was named during the ranking stage by three of seven platforms. The report evaluates Griffin Funding only for the foreign national investor US rental property loan use case, not as a broad company review.

This article is part of a larger consensus study on the foreign national investor US rental property loan category. Related lender reviews are organized in the investment property and non qm mortgage lenders directory.

Research limitations

Several limitations apply to this review.

Platform-reported evidence. Citations are platform-reported evidence, not independently verified facts. The supplied URLs were collected from platform responses and were not independently validated by the writer stage. No-search model claims require explicit verification before being described as current facts.

Company-owned sources dominate. Company-owned citations materially outnumber independent citations in the supplied catalog. Company claims should not be described as independently verified.

Conflicting product names and terms. Platforms named Griffin's relevant product slightly differently, and pricing, down payment, visa, and geographic availability conflict across sources. This review describes the conflicts rather than resolving them.

Research date discrepancies. The authoritative run research date is 2026-09-30. Platform-reported research dates differ: DeepSeek reported 2026-01-15, while Anthropic, Google, Grok, Kimi, OpenAI, and Perplexity reported 2026-09-30. Platform-reported dates are provenance metadata and do not independently prove freshness.

Ranking mention count. Platform mentions count only platforms that named the entity during ranking discovery. All seven platforms evaluated fit, but not all named Griffin Funding in the ranking stage.

Missing pricing. No public foreign-national DSCR rate, APR, points schedule, or lender-fee schedule was identified. Pricing confidence is low across platforms.

No independent verification of underwriting. No independent source was identified that verifies Griffin's current foreign-national DSCR underwriting matrix or pricing.

See the broader Foreign National Investors Buying US Rental Property consensus index for comparisons across qualified options.

Sources

Company-Owned Sources

1. Ambassador Foreign National DSCR No Ratio Guidelines: https://21505619.fs1.hubspotusercontent-na1.net/hubfs/21505619/Website%20-%20Guidelines/Ambassador/Ambassador%20Foreign%20National%20DSCR%20No%20Ratio%20Guidelines.pdf
2. Griffin Funding website: https://griffinfunding.com/
3. DSCR Loan Pros and Cons: What Real Estate Investors Should Know in 2026: https://griffinfunding.com/blog/dscr-loan-pros-cons/
4. DSCR Loan Down Payment Requirements: https://griffinfunding.com/blog/dscr-loans/dscr-loan-down-payment/
5. Best DSCR Lenders Blog: https://griffinfunding.com/blog/mortgage/best-dscr-lenders-griffin-funding-vs-angel-oak-vs-kiavi-vs-visio-vs-lima-one/
6. The Four Types of Non-U.S. Citizen Mortgage Loans: https://griffinfunding.com/blog/mortgage/four-types-of-non-us-citizen-mortgage-loans/
7. DSCR Loan for LLC: Requirements & How to Close: https://griffinfunding.com/blog/mortgage/llc-for-rental-property-purchase-pros-and-cons/
8. The Four Types of Non-U.S. Citizen Mortgage Loans | Griffin Funding: https://griffinfunding.com/blog/non-us-citizen-mortgage-loans/
9. Contact - Griffin Funding: https://griffinfunding.com/contact-us/
10. How to Apply for a Foreign: https://griffinfunding.com/illinois-mortgage-lender/illinois-itin-loans/
11. Non-QM Loans: Explore Non-Qualified Mortgage Programs | Griffin Funding: https://griffinfunding.com/non-qm-loans/
12. Foreign National Loans & Non-U.S. Citizen Mortgages - Griffin Funding: https://griffinfunding.com/non-qm-loans/foreign-national-loans/
13. Non-QM Loans: Explore Non-Qualified Mortgage Programs: https://griffinfunding.com/non-qm-mortgages/
14. DSCR Loans 2026: Rates & How to Qualify: https://griffinfunding.com/non-qm-mortgages/dscr-loans/
15. Foreign National Loans & Non-U.S. Citizen Mortgages: https://griffinfunding.com/non-qm-mortgages/foreign-national-lending/
16. DSCR Loans for Foreign Nationals Buying Long-Term Rentals: https://homeabroadinc.com/mortgages/dscr-loan-for-long-term-rentals/
17. World Wide — International Borrowers: https://mbanc.com/world-wide/
18. Foreign National Loans: U.S. Rentals, No U.S. Credit: https://onemoredoor.com/foreign-national-loans
19. Foreign National DSCR Loans 2026: https://peersense.com/dscr-loans/foreign-national
20. Foreign National Loan — No SSN Required: https://texanamtg.com/loans/foreign-national/
21. AM Premier+ Loan Program | DSCR U.S. Mortgages for Investors: https://www.americamortgages.com/am-premier-loan-program
22. Official pricing and terms source: https://griffinfunding.com/terms-of-use/

Independent Sources

23. Defy Mortgage Lender Comparison: https://defymortgage.com/learn/griffin-funding-vs-angel-oaks-vs-defy-mortgage/
24. HonestCasa - Griffin Funding DSCR Review 2026: https://honestcasa.com/blog/griffin-funding-dscr-review
25. Frequently Asked Questions from Foreign National Mortgage Buyers - Mbanc: https://mbanc.com/blog/frequently-asked-questions-from-foreign-national-mortgage-buyers/
26. Griffin Funding - DSCR Rental Loans - Private Lender Link: https://privatelenderlink.com/lenders/griffin-funding-dscr-rental-loans/
27. Private Lender Link - Griffin Funding DSCR Loans: https://privatelenderlink.com/profile/griffin-funding-dscr/
28. Private Lender Link - Griffin Funding Non-QM Loans: https://privatelenderlink.com/profile/griffin-funding/
29. ProInvestorHub - Griffin Funding Review 2026: https://proinvestorhub.com/lenders/reviews/griffin-funding
30. Foreign National DSCR Lenders: Who Offers FN Programs?: https://proplify.com/foreign-national-dscr-lenders
31. America Mortgages vs. Every Competitor: The Definitive 2026 Guide for Foreign Nationals: https://www.americamortgages.com/blog/america-mortgages-vs-competitors/
32. Best Foreign National Mortgage Lenders in 2026: How to Choose? - Bluerate: https://www.bluerate.ai/blog/foreign-national-mortgage-lenders
33. GMG - America Mortgages vs Griffin Funding: https://www.gmg.asia/america-mortgages-vs-griffin-funding-homeabroad/
34. GMG - DSCR Loan Guide for Non-US Residents 2026: https://www.gmg.asia/dscr-loan-guide-non-us-residents-2026/
35. Griffin Funding review/program reference: https://www.lendedu.com
36. How to Apply for a U.S. Mortgage as a Foreign National - New Omni Bank: https://www.newomnibank.com/how-to-apply-for-a-u-s-mortgage-as-a-foreign-national/

Other Sources

37. Foreign National Mortgages in Florida in 2026: https://urbanequityint.com/insights/en/foreign-national-mortgages-florida/
38. Griffin Funding Bank Statement Loan Review (2026: https://www.mortgagemerlin.com/reviews/griffin-funding