Published terms, read October 29, 2026

Lima One Capital vs Griffin Funding: published loan terms side by side

DSCR floor: Lima One 1.00x, Griffin Funding no minimum. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), Lima One needs at least $2,000 of rent; Griffin Funding sets no floor. Below is everything else each one publishes on its own website, term by term.

Compare with your deal All lenders compared

Lima One Capital

Investor lender with offices in Greenville, South Carolina and Irvine, California, offering rental, fix-and-flip, construction and multifamily loans.

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

Credit on rentals: Lima One publishes a 660 minimum, Griffin Funding 620.
Leverage on a rental purchase: up to 80% at Lima One, 85% at Griffin Funding, which is 5 points of down payment on the same house.
Lima One publishes terms for fix and flip loans; Griffin Funding publishes no terms of its own for them.
Lima One publishes terms for ground-up construction loans; Griffin Funding publishes no terms of its own for them.
Smallest DSCR loan: $85,000 at Lima One, $100,000 at Griffin Funding.
Largest DSCR loan: $2.5 million at Lima One, $4.5 million at Griffin Funding.
Units on one rental loan: up to 9 at Lima One, up to 4 at Griffin Funding.
Borrowing entity: Lima One: LLC or similar entity required for business-purpose rental loans. Griffin Funding: 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.

DSCR rental loans

From each lender's own site, read October 29, 2026. Conditions for each figure are on the lender pages.
Term	Lima One Capital	Griffin Funding
Loan amount	$85,000 to $2,500,000	$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	660	620
Min DSCR	1.00x	No minimum (no-ratio program available)
Experience	Not required	Not published
Property types	Single family, 2-9 units, warrantable condos	1-4 units, condos, townhomes, PUDs and short-term rentals

Lima One Capital also publishes fix and flip loans; Griffin Funding does not. Lima One Capital also publishes ground-up construction loans; Griffin Funding does not.

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
Lima One Capital	46 states and Washington, DC. The excluded states are not listed on the pages read. [src]	LLC or similar entity required for business-purpose rental loans. [src]	Eligible for rental, fix-and-flip and construction loans, including borrowers without a US credit score. [src][src][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
Lima One Capital	$85,000 to $2,500,000	Up to 80% LTV (75% cash-out)	660	1.00x	Not required	[1][2]
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

Lima One: rental loans. Read October 24, 2026.
Lima One: rental loan detail. Read October 24, 2026.
Lima One: fix and flip loans. Read October 24, 2026.
Lima One: fix and flip detail. Read October 24, 2026.
Lima One: new construction loans. Read October 24, 2026.
Lima One: new construction detail. Read October 24, 2026.
Lima One: rental portfolio 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.