Griffin Funding Review for Investors with 10 or More Financed Properties

The research in brief

Griffin Funding is a good fit for financing beyond ten property agency limit, but not conclusively the best fit. Three of seven platforms named it during the ranking stage (43% of included platform responses), at an average listed rank of 4.67 and a best rank of 3. The strongest reason to consider it: Griffin's published DSCR program states no fixed limit on the number of financed properties and qualifies on rental cash flow rather than personal DTI ^[23]. The main limitation: Griffin does not publicly disclose a borrower-level aggregate exposure cap, a high-property-count rate schedule, or a standardized reserve matrix for ten-plus-property borrowers ^[23].

Research Snapshot

Why Griffin Funding Qualified for This Study

Questions explored

• Is Griffin Funding a good choice for financing beyond ten property agency limit?
• How many AI platforms named Griffin Funding for investors with 10 or more financed properties?

Griffin Funding qualified because its published DSCR program directly addresses the constraint that defines this use case: the conventional agency ceiling of ten financed one-to-four-unit properties. Griffin states that conventional financing generally stops at ten financed properties while DSCR programs do not impose that agency ceiling ^[7]. Griffin also states there is no limit on the number of investment properties a borrower can purchase with a DSCR loan ^[4].

Three of the seven included platforms named Griffin Funding during the ranking stage: Claude (rank 6), Gemini (rank 5), and ChatGPT (rank 3). That is 42.9% of included platform responses, with an average listed rank of 4.67 and a best listed rank of 3. The remaining four platforms evaluated fit but did not name the entity during ranking discovery, so their fit findings appear in this review without a ranking position.

The qualification is product-driven rather than relationship-driven. Griffin's DSCR materials describe qualification on the rental property's income, with no tax returns, no W-2s, and no DTI calculation ^[23]. Each property is underwritten on its own DSCR without stress-testing the borrower's total debt across all holdings ^[12]. That structure is what makes a ten-plus-property borrower eligible in the first place.

The mortgage offering in focus

Questions explored

• Which Griffin Funding DSCR loan program should a buyer with 10 or more financed properties ask about first?
• Does Griffin Funding's DSCR program have a maximum number of financed properties?

The relevant offering is Griffin Funding's DSCR Investor Loan / DSCR Loan Program, which platforms also labeled DSCR Loans (Individual and Portfolio) and the Investor Cash Flow Program. Platform naming was not fully consistent: Claude described a "DSCR Investor Loan Program (Individual and Portfolio; DSCR Loans; DSCR Cash-Out Refinance; Investor Cash Flow Program)," while Gemini described a "DSCR Loan Program (including No-Ratio DSCR & Portfolio Options)." These labels may refer to related or overlapping offerings, and the exact product name and underwriting channel should be confirmed in writing ^[23].

The core product feature for this use case is the absence of a stated property-count cap. Griffin states that its DSCR program has no limit on the number of financed properties ^[23]. Griffin also states that DSCR loans are not subject to the conventional 10-financed-property cap and that investors can continue adding eligible rentals ^[5].

Two structural details matter for a ten-plus-property borrower. First, Griffin typically structures DSCR portfolio financing property by property rather than as one blanket loan, which preserves the ability to sell or refinance individual properties ^[9]. Second, Griffin describes DSCR cash-out refinancing and DSCR HELOAN or HELOC second-lien products that can provide capital for another down payment, renovations, or reserves; the second-lien products are separate from the first-lien DSCR loan and carry their own equity, DSCR, credit, and reserve requirements ^[22].

Published loan amounts run from approximately $100,000 to $4.5 million per property in-house, with exceptions described for larger scenarios ^[23]. One independent review cites loan amounts up to $5M ^[35], and one regional marketing source mentions limits up to $20 million ^[36]. Those figures conflict and should be treated as unverified until confirmed in a term sheet.

What the AI Platforms Agreed About

Questions explored

• What do AI platforms agree on about Griffin Funding for investors past the ten-property agency limit?
• Is Griffin Funding's no-property-limit DSCR policy consistent across AI platform research?

Platform agreement centered on four points, and the agreement was strong but not unanimous.

First, the property-count cap. Multiple platforms reported that Griffin's DSCR program states no limit on the number of financed properties and is designed to continue financing investors after the conventional ten-property ceiling ^[23]. This was the single most consistent finding across the platforms that named the entity.

Second, the qualification method. Platforms agreed that Griffin's DSCR program qualifies primarily on the rental property's income and states that tax returns, W-2s, and personal DTI are generally not required ^[23]. Griffin's own materials state "no tax returns, no W2s, no DTI calculation, no limit on the number of financed properties" ^[23].

Third, property-by-property structuring. Platforms agreed that Griffin typically structures DSCR loans property by property rather than as one blanket loan, and that this preserves flexibility to sell or refinance one rental without affecting financing on the others ^[9].

Fourth, reserve guidance. Platforms agreed that Griffin describes reserves as commonly three to six months of PITIA, with requirements varying by credit, DSCR, property type, and loan structure ^[10]. This is published guidance, not a binding requirement for every loan ^[6].

Where the AI Platforms Disagreed or Were Uncertain

Questions explored

• Does Griffin Funding publish a borrower-level aggregate exposure cap for investors with 10 or more financed properties?
• How do AI platforms disagree about Griffin Funding's fit for high-property-count investors?

The most consequential disagreement was the overall fit rating. Anthropic, Gemini, and Grok rated Griffin a strong fit. OpenAI and Perplexity rated it a good fit. Deepseek and Kimi rated it uncertain. The split tracks how each platform treated missing public disclosure: platforms that weighted the published no-limit policy rated higher, while platforms that weighted the absence of published aggregate caps rated lower.

Aggregate exposure limits were unresolved across platforms. Griffin's public DSCR pages disclose a maximum individual loan amount of up to $4.5 million but do not disclose a borrower-level aggregate exposure limit across multiple financed properties ^[23]. Deepseek found no public disclosure of a per-borrower aggregate loan exposure or total financed-property dollar cap ^[1]. Kimi reached the same conclusion and noted that competitors publish explicit caps — MAXEX at 10 loans or $5,000,000 per borrower, LendSure at 10 loans, and MK Lending at $7.5 million or 10 properties — while Griffin's equivalent limits are unclear ^[30].

Rate impact at high property counts was also unresolved. Griffin publishes rate examples tied to credit score, DSCR, down payment, points, and prepayment-penalty term but does not publish a separate pricing adjustment for borrowers with ten or more financed properties ^[23]. Anthropic reported that portfolio size does not directly affect rates because each property is underwritten on its own DSCR ^[12]. Perplexity found no verified rate surcharge tied to higher financed-property counts ^[12]. No platform produced a published high-count rate grid.

Reserve requirements for high-volume borrowers were inconsistent. One source cited 12 months of PITIA for DSCR below 1.0 ^[33], while another described 3–6 months as standard with additional reserves below 0.75 ^[12]. Grok reported 6 months PITI typically required unless DSCR is below 1.0 or the loan is a cash-out refinance ^[33]. These likely reflect program variation rather than contradiction, but the borrower cannot resolve them from public materials.

One platform raised an operational question that no other platform corroborated. Deepseek reported that NMLS Consumer Access lists Griffin Funding with a consumer complaint or regulatory reference and indicates its website may be inaccessible, raising operational and licensing questions ^[39]. This claim was not confirmed by any other platform in this study and should be verified directly with NMLS before relying on it. Deepseek also ran without search enabled and used a research date of 2026-01-15, eight months earlier than the study date.

Mortgage features for this borrowing need

Questions explored

• What DSCR features does Griffin Funding offer that matter most to an investor with 10 or more financed properties?
• Can Griffin Funding finance a property with a DSCR below 1.0 for a high-volume investor?

Griffin's use-case advantages cluster around property-level underwriting rather than portfolio-level underwriting.

On DSCR flexibility, Griffin states it has no minimum DSCR requirement, can fund loans with ratios below 1.0 when reserves support the deal, and offers a no-ratio program that does not use cash flow to qualify at all ^[23]. Griffin also describes below-1.0 DSCR funding when compensating factors support the file ^[15]. Anthropic reported that Griffin accepts DSCR ratios less than 0.75 ^[8], while other platform findings describe a 0.75 floor with compensating factors ^[12]. That conflict is unresolved.

On cash-out refinancing, Griffin states there is no seasoning requirement (program-dependent) for cash-out refi, so an investor can pull equity soon after buying or renovating instead of waiting six to twelve months ^[21]. Because the loan qualifies on rental income, the investor's DTI ratio and number of financed properties do not cap how far they can grow ^[21].

On entity structure, Griffin states borrowers may close as individuals or through eligible LLC and other entity structures, subject to program conditions ^[23]. Griffin states that personal guarantees may still be required and business obligations must still be disclosed when applicable ^[23].

On licensing, Griffin states it is fully state-licensed in 47 states plus DC and CFPB-regulated ^[12]. Perplexity reported 47-state availability ^[12]. Google reported coverage in 47+ states ^[1]. No platform reported all 50 states.

Rates, fees, and ongoing costs

Questions explored

• How much does a Griffin Funding DSCR loan cost for an investor with 10 or more financed properties?
• What prepayment penalty and reserve costs should a high-volume investor expect from Griffin Funding?

Pricing is quote-based and no platform located a published rate sheet specifically addressing borrowers with ten or more financed properties. Pricing confidence was rated moderate by ChatGPT, Claude, and Grok, and low by DeepSeek, Kimi, and Perplexity.

Published cost components, as reported by platforms:

• Lender fees: Griffin states a flat lender-fee portion of $795 processing plus $1,195 underwriting, or $1,990 total, regardless of loan size ^[3]. Anthropic noted that on larger loans this structure can save thousands compared to a lender charging one to two points in origination ^[3].
• Origination points: Independent sources cite 0–2 points as market-standard, with California large loans reported as low as 0.75 points versus 1.5–2.5 points at many competitors ^[34]. Grok reported origination of 1–3% from third-party sources ^[33]. This conflicts with the flat-fee framing and the borrower's net cost is opaque without a quote.
• Closing costs: Griffin describes DSCR loan closing costs as commonly about 2% to 5% of the loan amount, excluding down payment and reserves ^[3].
• Down payment: As low as 15% under stated conditions, with 20% described as a standard comparison point ^[23]. Anthropic reported 15% only on loans under $1M with 740+ FICO and 1.0+ DSCR, with 20% typical and 25% on weaker profiles ^[12]. Google reported 15% minimum for FICO 740+, typically 20% to 25%, and up to 35% down for credit scores of 620–659 ^[1].
• Reserves: Commonly three to six months of PITIA after closing ^[10]. One source cites 12 months for DSCR below 1.0 ^[33]. Additional reserves may be required below 0.75 ^[12]. Reserves are separate from down payment and closing costs ^[6].
• Prepayment penalty: Griffin's DSCR materials state prepayment penalties are common and may run from zero to five years depending on the selected structure ^[23]. Anthropic reported selectable terms of 0, 1, 2, 3, 4, or 5 years ^[5]. Perplexity reported that a 5-year prepayment penalty typically prices lower than no-penalty options ^[12].

Rate examples were reported but are time-sensitive. Anthropic cited DSCR rates in August 2026 starting at 5.375% for 1-year ARMs, with 30-year fixed, 40-year fixed, and 5-year ARM options from 6.375% ^[23]. Independent reviews cited rates of approximately 6.5%–9% with origination of 0–2 points on loans from $100K to $5M ^[34] and DSCR loans from 6.5% with loan amounts up to $5M ^[35]. These figures conflict on the loan ceiling and should be treated as indicative only.

Contract terms: No public long-term portfolio commitment or minimum-volume contract was identified ^[23]. Rate-lock, cancellation, extension, and deposit terms are not clearly stated on the reviewed public DSCR pages and should be confirmed in the term sheet ^[23]. Deepseek found no published lock, cancellation, or extension terms for DSCR investor loans ^[1].

Best Suited For

Questions explored

• Who is Griffin Funding best suited for among investors with 10 or more financed properties?
• Is Griffin Funding worth it for a BRRRR investor who needs to recycle equity quickly?

Griffin Funding is best suited for investors who have already exceeded the conventional ten-financed-property limit and want property-level DSCR underwriting rather than tax-return, W-2, or personal DTI underwriting ^[23].

Specific profiles that fit:

• Investors seeking additional one-to-four-unit rental financing after reaching the agency ten-property limit ^[23].
• Portfolio builders using BRRRR or cash-out refinance strategies to scale property count without a DTI constraint, because Griffin states no seasoning requirement on cash-out refi (program-dependent) ^[21].
• High-FICO investors (720+) seeking rates comparable to or better than conventional investment loans, given that conventional investment loans carry agency loan-level price adjustments that typically add 0.5% to 0.75% over owner-occupied rates ^[23].
• Investors with strong rental income and minimal taxable income due to depreciation shields who need property-based qualification ^[23].
• Investors using LLC ownership or property-by-property financing ^[23].
• Borrowers needing cash-out or second-lien equity access without refinancing an existing first mortgage ^[22].
• Large-value acquisitions in the $2M–$4.5M range where conventional jumbo limits apply ^[6].

Anthropic reported that Griffin's typical DSCR borrower had a 731 FICO, and that DSCR loans accounted for 40% of dollar volume and 44% of loan count at Griffin ^[37]. That is independent journalism reporting on Griffin's own disclosed mix, not an independent audit.

Probably Not Best Suited For

Questions explored

• Who should not choose Griffin Funding for financing beyond ten property agency limit?
• Is Griffin Funding a poor fit for an investor who needs a published portfolio-wide borrowing capacity?

Griffin Funding is probably not the best fit for several buyer profiles.

• Investors requiring a published, guaranteed portfolio-wide borrowing capacity. Griffin does not publicly state a borrower-level aggregate exposure cap ^[23].
• Investors wanting one blanket loan with consolidated servicing across a large portfolio. Griffin typically structures DSCR loans property by property rather than as one blanket loan ^[9].
• Borrowers seeking the lowest possible rate regardless of DSCR, leverage, credit profile, or prepayment terms ^[23].
• Investors prioritizing ultra-low rates over flexibility, since conventional financing may offer a 0.25–0.5% rate advantage for high-FICO borrowers when the ten-property limit is not binding ^[12].
• Properties outside Griffin's eligible rental-property, state, leverage, appraisal, or cash-flow parameters ^[23].
• Distressed, value-add, or fix-and-flip properties in renovation phase, which generally do not qualify until the property is ready to rent ^[5].
• Multi-unit commercial (5+ units), mixed-use, or specialized commercial properties, since Griffin focuses primarily on residential investment properties with fewer options for larger commercial deals ^[12].
• Borrowers below 620 FICO, who are excluded entirely ^[10].
• Properties under $100,000 ^[6].
• First-time investors without investment property experience, given the DSCR underwriting model ^[12].

When Another Option May Be Better

Questions explored

• What is a better alternative to Griffin Funding for an investor who needs a published aggregate exposure cap?
• When should an investor choose a portfolio lender or conventional loan instead of Griffin Funding?

Several scenarios point to alternatives.

A regional bank or commercial portfolio lender may be preferable when the investor needs one blanket facility, consolidated reporting, relationship-based underwriting, or a negotiated portfolio-wide exposure limit ^[23]. Griffin's property-by-property structure does not provide consolidated servicing ^[9].

A lender specializing in large-balance investor portfolios may be preferable when aggregate borrowing exceeds Griffin's published $4.5 million per-property range or requires bespoke cross-collateralization ^[23].

A competing DSCR lender may be preferable if it offers materially lower pricing, no prepayment penalty, lower reserve requirements, or a clearly documented unlimited aggregate exposure policy ^[23]. Kimi specifically identified MAXEX (10 loans or $5,000,000 per borrower), LendSure (10 loans per investor), and MK Lending (maximum 20 residential financed properties with a $7.5 million or 10-property internal exposure cap) as lenders with explicitly published aggregate limits that may better serve buyers needing certainty for portfolio planning ^[30].

Agency financing remains preferable for investors still eligible under the ten-property rules and able to qualify at lower all-in cost ^[23]. Conventional investment loans carry agency loan-level price adjustments that typically add 0.5% to 0.75% over owner-occupied rates, but conventional may still offer a 0.5% advantage for high-FICO borrowers with 1–4 units and stable income when DTI and the ten-property limit are not binding ^[12].

Bridge or hard money may be preferable for distressed or value-add properties, with a DSCR refinance once the property is stabilized and leased ^[5].

A broker or multi-lender marketplace may provide a faster, more transparent comparison when the investor requires published high-property-count guidelines, aggregate caps, and reserve grids ^[1].

Questions to ask before choosing a lender

Questions explored

• What should a buyer confirm with Griffin Funding before signing a DSCR loan contract for a 10-plus-property portfolio?
• Which Griffin Funding disclosures are missing from public materials and must be obtained in writing?

The following questions come from platform-reported verification lists and should be answered in writing before commitment.

1. What is the maximum total dollar exposure Griffin will approve for one borrower, LLC, guarantor group, state, property type, and related entities? ^[23]
2. Does the stated no-property-limit policy apply to ten-plus financed properties under the exact DSCR product being offered? ^[23]
3. Will existing mortgages, guarantees, and LLC debts be included in underwriting or global cash-flow analysis? ^[23]
4. Is there a pricing adjustment based on the number of financed properties, total exposure, DSCR, or portfolio concentration? ^[23]
5. What reserve amount is required per subject property and for the borrower's entire portfolio? ^[23]
6. Can reserves be counted from business accounts, brokerage assets, retirement assets, or cash-out proceeds, and at what haircut? ^[23]
7. Are loans serviced separately, and is there any consolidated payment, reporting, escrow, insurance, or tax-management option? ^[23]
8. Will the loan appear on the borrower's personal credit report when closed through an LLC, and what personal guarantee is required? ^[23]
9. What are the exact prepayment penalty period, penalty formula, and permitted exceptions for sale or refinance? ^[23]
10. What are the rate-lock duration, extension cost, cancellation terms, and all lender and third-party fees? ^[23]
11. Are portfolio, blanket, cross-collateralized, or multi-property closing structures available if the investor wants fewer separate loans? ^[23]
12. Are there state, property-type, short-term-rental, seasoning, appraisal, or loan-to-value restrictions that change after ten financed properties? ^[23]
13. Is Griffin Funding currently licensed and actively originating in the specific state where the target properties are located? Verify via NMLS Consumer Access ^[39].
14. What is Griffin's historical approval rate for borrowers with ten or more existing mortgages, and what is the median underwriting timeline in 2026? ^[6]

The consensus assessment

Griffin Funding is a good fit for financing beyond ten property agency limit, but not conclusively the best fit. Three of seven platforms named it in the ranking stage at an average rank of 4.67 and a best rank of 3. Platform fit ratings split: strong from Claude, Gemini, and Grok; good from ChatGPT and Perplexity; uncertain from DeepSeek and Kimi.

The consensus case for Griffin rests on a published DSCR program that states no fixed financed-property limit, qualifies on rental income rather than personal DTI, underwrites each property individually, and supports property-level investor financing with loan amounts up to $4.5 million in-house ^[23]. The consensus case against treating it as the definitive answer rests on missing public disclosure: no borrower-level aggregate exposure cap, no high-property-count rate schedule, no standardized reserve matrix for ten-plus-property borrowers, and no consolidated servicing option ^[23].

A ten-plus-property investor should obtain a written term sheet from Griffin Funding and compare it with at least one portfolio lender and one competing DSCR lender before committing ^[23]. Platform agreement on Griffin's published policy does not establish that the policy will be applied as written to any specific borrower, and no platform independently verified Griffin's stated no-property-limit policy, historical closing volume, or actual approval rates for ten-plus-property investors ^[23].

How This Review Was Produced

This review was produced from a structured multi-platform research run dated 2026-09-30. Seven AI platforms evaluated Griffin Funding for the specific use case of financing beyond the ten-property agency limit: Claude (claude-haiku-4-5-20251001, search enabled), DeepSeek (deepseek-v4-flash, search disabled), Gemini (gemini-3.5-flash, search enabled), Grok (x-ai/grok-4.3, search enabled), Kimi (moonshotai/kimi-k2.6, search enabled), ChatGPT (gpt-5.6-luna, search enabled), and Perplexity (perplexity/sonar, search enabled).

Each platform returned a fit rating, use-case findings by factor, pricing and terms, strengths, limitations, alternatives, and verification questions. Three platforms named Griffin Funding during the ranking stage; all seven evaluated fit. Platform fit ratings were: strong (Claude, Gemini, Grok), good (ChatGPT, Perplexity), and uncertain (DeepSeek, Kimi).

All platform outputs are labeled platform-reported and were not independently verified by the writer stage. Company-owned citations materially outnumber independent citations in the supplied evidence, so company claims are not described here as independently verified. The supplied URLs were collected from platform responses and were not independently validated.

Research limitations

Several limitations constrain the conclusions in this review.

Platform-reported research dates differ from the authoritative run date. Deepseek reported a research date of 2026-01-15, roughly eight months earlier than the 2026-09-30 study date, and ran with search disabled. Its findings may reflect stale or model-memory information rather than current market conditions.

Company-owned sources dominate the evidence base. Of the deduplicated citation sources, 31 are company-owned and 8 are independent. Griffin's no-property-limit policy, reserve guidance, and pricing statements come primarily from Griffin's own published pages, not from independent verification.

No platform located a published rate sheet, reserve matrix, or aggregate exposure policy specifically addressing borrowers with ten or more financed properties. Missing research is not evidence of disagreement, and it is also not evidence that no such policy exists.

Factual conflicts remain unresolved. The loan ceiling is stated as $4.5 million in-house by company sources, $5 million by one independent review, and up to $20 million in one regional marketing source. Origination cost is described as a flat $1,990 lender fee by Griffin and as 0–2 points by independent sources. Reserve requirements for sub-1.0 DSCR are described as 12 months by one source and 3–6 months with additional reserves below 0.75 by another. Seasoning-free cash-out refinance is stated as program-dependent with no independent corroboration.

One platform reported an NMLS Consumer Access listing suggesting a consumer complaint or regulatory reference and possible website inaccessibility ^[39]. No other platform corroborated this, and it should be verified directly with NMLS rather than treated as established.

Platform agreement on a published policy does not prove product quality, approval likelihood, or pricing competitiveness for any specific borrower. No personal testing, customer experience, or independent verification was performed for this review.

See the broader Investors with 10 or More Financed Properties consensus index for comparisons across qualified options.

Explore more investment property and non qm mortgage lenders guidance in the category directory.

Sources

Company-Owned Sources

1. Griffin Funding Website — DSCR Investor Loans: https://griffinfunding.com/
2. Alaska DSCR Loans: 2026 Requirements, Rates & Markets: https://griffinfunding.com/alaska-mortgage-lender/dscr-loans-alaska/
3. DSCR Loan Closing Costs: What to Expect: https://griffinfunding.com/blog/dscr-loans/dscr-loan-closing-costs/
4. DSCR Loans for Airbnb & Short-Term Rentals: A Guide: https://griffinfunding.com/blog/dscr-loans/dscr-loan-for-airbnb/
5. DSCR Loan Pros and Cons: 2026 Guide: https://griffinfunding.com/blog/dscr-loans/dscr-loan-pros-and-cons/
6. DSCR Loan Requirements (2026): Credit, Ratio, Down Payment & Reserves: https://griffinfunding.com/blog/dscr-loans/dscr-loan-requirements/
7. DSCR Loan vs. Conventional Loan: Rates & Rules: https://griffinfunding.com/blog/dscr-loans/dscr-loan-vs-conventional-loan/
8. DSCR Mortgage Document Checklist (2026: https://griffinfunding.com/blog/dscr-loans/dscr-mortgage-document-checklist-2026-exactly-what-you-need/
9. DSCR Portfolio Loan: How It Works: https://griffinfunding.com/blog/dscr-loans/dscr-portfolio-loan/
10. Understanding DSCR loans: How cash-flow underwriting works for rental properties: https://griffinfunding.com/blog/dscr-loans/how-cash-flow-underwriting-works/
11. How to Build a Real Estate Portfolio: 8 Tips: https://griffinfunding.com/blog/dscr-loans/how-to-build-a-real-estate-portfolio/
12. Best DSCR Lenders 2026: https://griffinfunding.com/blog/mortgage/best-dscr-lenders-griffin-funding-vs-angel-oak-vs-kiavi-vs-visio-vs-lima-one/
13. Is Figure Still Offering DSCR Loans? Kiavi Deal Explained: https://griffinfunding.com/blog/mortgage/is-figure-still-offering-dscr-loans/
14. DSCR Loans in California - Griffin Funding: https://griffinfunding.com/california-mortgage-lender/dscr-loans-california/
15. Colorado DSCR Loans: 2026 Requirements, Rates & Markets: https://griffinfunding.com/colorado-mortgage-lender/dscr-loans-colorado/
16. Griffin Funding DSCR Loan Program: https://griffinfunding.com/dscr-loans/
17. Florida DSCR Loans: 2026 Requirements, Rates & Markets: https://griffinfunding.com/florida-mortgage-lender/dscr-loans-florida/
18. Indiana DSCR Loans: 2026 Requirements, Rates & Markets: https://griffinfunding.com/indiana-mortgage-lender/dscr-loans-indiana/
19. Kansas DSCR Loans: 2026 Requirements, Rates & Markets: https://griffinfunding.com/kansas-mortgage-lender/dscr-loans-kansas/
20. DSCR Loans in New Jersey: https://griffinfunding.com/new-jersey-mortgage-lender/dscr-loans-new-jersey/
21. DSCR Cash-Out Refinance Loans for Investment Properties: https://griffinfunding.com/non-qm-mortgages/dscr-cash-out-refinance-loans/
22. DSCR HELOAN & DSCR HELOC for Investment Properties: https://griffinfunding.com/non-qm-mortgages/dscr-heloans/
23. DSCR Loans 2026: Rates & How to Qualify: https://griffinfunding.com/non-qm-mortgages/dscr-loans/
24. DSCR Loans in Rhode Island: https://griffinfunding.com/rhode-island-mortgage-lender/dscr-loans-rhode-island/
25. Vermont DSCR Loans: 2026 Requirements, Rates & Markets: https://griffinfunding.com/vermont-mortgage-lender/dscr-loans-vermont/
26. DSCR Loans in Wisconsin: https://griffinfunding.com/wisconsin-mortgage-lender/dscr-loans-wisconsin/
27. Investment Property Loans: https://lendsure.com/specialty-loan-solutions/investment-property-loans/
28. Non QM Plus Selling Guide: https://mklending.com/file/delegatedsellersguide/Non%20QM%20Plus%20Selling%20Guide%20v06.06.2025.pdf
29. DSCR Loan for Investors with Multiple Properties: https://www.lendmire.com/dscr-loan-for-investors-with-multiple-properties/
30. DSCR Program Guide: https://www.maxex.com/wp-content/uploads/2026/05/MAXEX-DSCR-Program-Guidelines.pdf
31. Official pricing and terms source: https://griffinfunding.com/terms-of-use/

Independent Sources

32. Griffin Funding DSCR Review 2026: Rates as Low as 6.5% + California Expertise: https://honestcasa.com/blog/griffin-funding-dscr-review
33. Private Lender Link - Griffin Funding – DSCR Rental Loans: https://privatelenderlink.com/profile/griffin-funding-dscr/
34. Griffin Funding Review 2026: DSCR & Bank Statement Loans: https://proinvestorhub.com/lenders/reviews/griffin-funding
35. Griffin Funding Review 2026: DSCR Loans Up to $5M: https://reinvestorguide.com/lenders/griffin-funding
36. Best DSCR Lenders in Louisiana: https://selecthomeloans.com/
37. Today's non-QM borrower is harder to define and pinpoint: https://www.housingwire.com/articles/non-qm-borrowers-market-trends/
38. Non-QM and DSCR Lending for Real Estate Investors: https://www.investopedia.com/
39. NMLS Consumer Access — Griffin Funding: https://www.nmlsconsumeraccess.org/