Published terms, read October 29, 2026

New Silver vs Griffin Funding: published loan terms side by side

DSCR floor: New Silver 0.75x, Griffin Funding no minimum. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), New Silver needs at least $1,500 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

New Silver

Direct private lender with online term sheets for fix-and-flip, ground-up and DSCR 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: New Silver publishes a 660 minimum, Griffin Funding 620.
Leverage on a rental purchase: up to 80% at New Silver, 85% at Griffin Funding, which is 5 points of down payment on the same house.
New Silver publishes terms for fix and flip loans; Griffin Funding publishes no terms of its own for them.
New Silver publishes terms for ground-up construction loans; Griffin Funding publishes no terms of its own for them.
Smallest DSCR loan: $150,000 at New Silver, $100,000 at Griffin Funding.
Largest DSCR loan: $3 million at New Silver, $4.5 million at Griffin Funding.
Units on one rental loan: up to 8 at New Silver, 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	New Silver	Griffin Funding
Loan amount	$150,000 to $3,000,000	$100,000 to $4,500,000 (larger loans by exception)
Max LTV (purchase)	Up to 80% LTV	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	0.75x	No minimum (no-ratio program available)
Experience	Not required	Not published
Property types	1-8 units, short-term rentals allowed	1-4 units, condos, townhomes, PUDs and short-term rentals

New Silver also publishes fix and flip loans; Griffin Funding does not. New Silver also publishes ground-up construction loans; Griffin Funding does not.

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
New Silver	41 states and Washington, DC (Alabama for DSCR only), per New Silver's February 2026 list. [src]	DSCR loans can be made to LLCs and corporations; whether an entity is required is not published. [src]	Fix-and-flip and ground-up loans require a US citizen or legal resident. Not published for DSCR. [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
New Silver	$150,000 to $3,000,000	Up to 80% LTV	660	0.75x	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

New Silver: DSCR loans. Read October 24, 2026.
New Silver: fix and flip loans. Read October 24, 2026.
New Silver: construction loans. Read October 24, 2026.
New Silver: company and product summary (llms.txt, last updated Feb. 6, 2026). 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.