Side by side
Griffin Funding vs DSCR Direct
Griffin Funding is a direct-to-consumer non-QM lender offering DSCR, bank-statement, ITIN, and foreign-national programs nationwide. They are a single-lender retail channel. DSCR Direct is a broker that shops your scenario across hundreds of wholesale lenders - including the same investor channels Griffin sources from - so you typically end up at a lower rate without the retail markup.
Griffin Funding strengths
- Single point of contact through their loan officers
- Strong brand for non-QM products including DSCR, bank statement, and ITIN
- In-house underwriting - no broker compensation layer
- Foreign-national programs available
Limitations
- Single-lender pricing - you only see Griffin's offer, not the cheapest available
- Retail markup is baked into the rate (the wholesale rate is lower than retail Griffin)
- Full personal information required upfront to see real numbers
- Close timelines tend to run longer than wholesale broker timelines
DSCR Direct advantages
- Direct wholesale pricing - no retail markup
- We shop your scenario across hundreds of wholesale lenders simultaneously, including the one above
- Same-day term sheet, 14-21 day typical close
- LLC vesting standard, foreign-national and ITIN paths available
- No personal info required to see a rate
Factor-by-factor
| Factor | Griffin Funding | DSCR Direct |
|---|---|---|
| Channel | Retail / direct-to-consumer | Wholesale broker across 100+ lenders |
| See rates without personal info | No - full app to see real numbers | Yes - instant pricing, no SSN required |
| Lender selection | Griffin only | Best execution across all wholesale lenders |
| Min DSCR | Down to 0.75 (sometimes no-ratio) | Down to no-ratio depending on lender + FICO |
| Max LTV (purchase) | Up to 80% | Up to 80% (same lender families) |
| Max LTV (cash-out) | Up to 75% | Up to 75% (some lenders 80%) |
| Vesting | Personal or LLC | Personal or LLC |
| Prepayment penalty | Standard 1-5 year structures | Standard 1-5 year structures + step-down options |
| Typical close | 30-45 days | 14-21 days typical |
| Pricing transparency | Quoted by LO after application | Live rate sheet, see numbers before applying |
Frequently asked questions
Does Griffin Funding offer DSCR loans?
Yes. Griffin Funding offers DSCR loans nationwide for investment properties, with options down to no-ratio DSCR for some scenarios. They are a retail non-QM lender.
How does Griffin Funding pricing compare to a wholesale broker?
Retail lenders like Griffin build their margin into the rate. A wholesale broker accesses the same investor channels (Verus, Angel Oak, Deephaven, etc.) at the wholesale rate sheet without the retail markup. Result: usually 0.25-0.75% lower on the same loan.
What kind of loans does Griffin Funding offer?
Griffin specializes in non-QM: DSCR, bank-statement, ITIN, foreign-national, asset-qualifying, fix-and-flip, and bridge loans. They also offer conventional and government programs.
How long does Griffin Funding take to close a DSCR loan?
Griffin typically closes DSCR loans in 30-45 days. A wholesale broker close on the same loan profile is usually 14-21 days because the broker can route to the fastest underwriter in the network.
See what your scenario actually prices at
We shop your deal across Griffin Funding and 100+ other wholesale lenders. Live rates, no personal info required.