Published terms, read October 29, 2026

Easy Street Capital vs Griffin Funding: published loan terms side by side

Credit on rentals: Easy Street publishes a 640 minimum, Griffin Funding 620. Below is everything else each one publishes on its own website, term by term.

Compare with your deal All lenders compared

Easy Street Capital

Investor lender with three programs: EasyRent (DSCR), EasyFix (fix and flip) and EasyBuild (construction).

Griffin Funding

Direct-to-consumer mortgage lender founded in 2013 and based in San Diego, California (NMLS 1120111). It offers DSCR loans alongside VA, bank-statement and other non-QM products.

The differences that change a deal

Leverage on a rental purchase: up to 80% at Easy Street, 85% at Griffin Funding, which is 5 points of down payment on the same house.
Easy Street publishes terms for fix and flip loans; Griffin Funding publishes no terms of its own for them.
Easy Street publishes terms for ground-up construction loans; Griffin Funding publishes no terms of its own for them.
Easy Street publishes terms for rental portfolio (blanket) loans; Griffin Funding publishes no terms of its own for them.
Largest DSCR loan: $3.5 million at Easy Street, $4.5 million at Griffin Funding.
Units on one rental loan: up to 10 at Easy Street, up to 4 at Griffin Funding.

DSCR rental loans

From each lender's own site, read October 29, 2026. Conditions for each figure are on the lender pages.
Term	Easy Street Capital	Griffin Funding
Loan amount	$100,000 to $3,500,000+	$100,000 to $4,500,000 (larger loans by exception)
Max LTV (purchase)	Up to 80% LTV (75% cash-out)	Up to 80% LTV standard (20% down). Up to 85% (15% down) with a 740+ FICO on loans up to $1,000,000. Cash-out up to 80% LTV
Min FICO	640	620
Min DSCR	No minimum	No minimum (no-ratio program available)
Experience	Not required	Not published
Property types	1-10 units	1-4 units, condos, townhomes, PUDs and short-term rentals

Easy Street Capital also publishes fix and flip loans; Griffin Funding does not. Easy Street Capital also publishes ground-up construction loans; Griffin Funding does not. Easy Street Capital also publishes rental portfolio (blanket) loans; Griffin Funding does not.

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
Easy Street Capital	Rental loans in every state except North Dakota and South Dakota, rural included. Flip and construction loans are not offered in Louisiana, Minnesota, North Dakota, South Dakota or some metros, including Baltimore, Chicago and Detroit. [src][src][src]	LLC recommended; borrowing as an individual is allowed in most states. Owners above 25% sign a full guaranty. [src]	Resident aliens eligible. Foreign nationals living abroad are eligible when the borrowing LLC is at least 50% owned by US citizens or green card holders. [src]
Griffin Funding	All 50 states and Washington, DC for DSCR loans, per the DSCR page. Its state-licensing page lists licenses in 47 states plus DC (New York, Utah and West Virginia are not on that list). [src][src]	Not required. You can borrow as an individual or through a U.S. LLC with a personal guarantee. Partnership, corporation, S corp or revocable-trust vesting depends on the program. [src]	Offered through a separate Foreign National program: valid visa or visa waiver, at least 20% down, loans up to $5 million, typically up to four units. The DSCR page itself mentions only individuals and U.S. LLCs. [src][src]

For reference: our programs next to both

Doors Funded programs are arranged by Janover Capital LLC, which is paid when they close. They are shown separately so the comparison above stays between the two lenders.

DSCR rental loans. Lender figures read October 29, 2026.
Lender	Loan amount	Max LTV (purchase)	Min FICO	Min DSCR	Experience	Source
Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close	$75,000 to $2,000,000	Up to 80% LTV (75% cash-out)	660	1.05x	Not required	terms
Easy Street Capital	$100,000 to $3,500,000+	Up to 80% LTV (75% cash-out)	640	No minimum	Not required	[1]
Griffin Funding	$100,000 to $4,500,000 (larger loans by exception)	Up to 80% LTV standard (20% down). Up to 85% (15% down) with a 740+ FICO on loans up to $1,000,000. Cash-out up to 80% LTV	620	No minimum (no-ratio program available)	Not published	[1][2]

If neither fits

Sources

Easy Street Capital: EasyRent DSCR loans. Read October 24, 2026.
Easy Street Capital: EasyFix fix and flip loans. Read October 24, 2026.
Easy Street Capital: EasyBuild construction loans. Read October 24, 2026.
Griffin Funding: DSCR loans. Read October 29, 2026.
Griffin Funding: DSCR loan requirements. Read October 29, 2026.
Griffin Funding: Foreign national lending. Read October 29, 2026.
Griffin Funding: State licensing. Read October 29, 2026.