Griffin Funding

Write-offs shrink taxable income. A conventional lender reads that as low income. A bank statement loan reads the deposits. NMLS# 1120111 · Equal Housing Lender

Qualify for your next rental on the rent it brings in. No tax returns, no W2s, no DTI. Loans up to $4.5M. NMLS# 1120111 · Equal Housing Lender

Most bank statement lenders apply a flat 50% expense factor to business deposits. Griffin Funding gives you three ways to qualify: the standard 50%, CPA-verified expenses as low as 10%, or first-page-only statements for the fastest closing. Your loan officer recommends the plan that qualifies you for the most. NMLS# 1120111 · Equal Housing Lender

Want a DSCR loan with no prepayment penalty? Griffin Funding offers options without one, and puts your rate, fees, and terms in writing upfront. Get a quote. NMLS# 1120111 · Equal Housing Lender

Self-employed borrowers get told no for a reason that has nothing to do with their income. The write-offs that lower your tax bill also lower the number a traditional lender sees. We use 12 to 24 months of bank statements instead, underwrite in-house, and close in days rather than weeks. NMLS# 1120111 · Equal Housing Lender

There's one number that decides a DSCR loan: the rent against the debt service. If the property covers itself, it qualifies, and your personal income never comes up. Close in an LLC, 1 to 4 units, no cap on how many properties you already own. NMLS# 1120111 · Equal Housing Lender