Published terms, read October 29, 2026

Visio Lending vs Griffin Funding: published loan terms side by side

Credit on rentals: Visio Lending publishes a 680 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

Visio Lending

Austin-based lender, founded in 2012, that makes DSCR loans only, on long-term and short-term rentals.

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

DSCR floor: Griffin Funding publishes no minimum (ratios below 1.00x are allowed); Visio Lending does not publish a floor, so ask before you order an appraisal.
Smallest DSCR loan: $75,000 at Visio Lending, $100,000 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	Visio Lending	Griffin Funding
Loan amount	From $75,000 (maximum not published)	$100,000 to $4,500,000 (larger loans by exception)
Max LTV (purchase)	Up to 85% LTV on a purchase	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	680	620
Min DSCR	Not published	No minimum (no-ratio program available)
Experience	Not published	Not published
Property types	Single family rentals, long-term and short-term	1-4 units, condos, townhomes, PUDs and short-term rentals

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
Visio Lending	Described as nationwide; the state map is not published as text. [src]	Optional (LLC or corporation), but required in GA, HI, IL, MA, NJ, NY, PA and VA. [src]	Not published
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
Visio Lending	From $75,000 (maximum not published)	Up to 85% LTV on a purchase	680	Not published	Not published	[1][2][3][4]
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

Visio Lending: home page (state notes). Read October 24, 2026.
Visio Lending: 85% LTV purchase loans. Read October 24, 2026.
Visio Lending: long-term rental guide. Read October 24, 2026.
Visio Lending: DSCR 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.