Griffin Funding

The property investment market is going through a period of uncertainty, with Q1 of 2026 being the quietest period since the disruption caused by the COVID-19 pandemic brought house sales to a halt, according to data from Redfin cited...

The Federal Housing Finance Agency (FHFA) announced last year that conforming loan limit values (CLLs) would rise in 2026, with the baseline for one-unit properties up by $26,250 to a new high of $832,750. At the same time, the ...

A DSCR portfolio loan lets investors buy or refinance rentals based mainly on the properties’ cash flow. Instead of relying primarily on tax returns, W-2s, pay stubs, or a personal debt-to-income calculation, the lender asks a practical question: Can the property’s rent support its payment?

The calculation is straightforward.

DSCR = gross monthly rent ÷ monthly ...

Choosing the right financing option for an investment property can be the difference between a profitable purchase and a costly one.. DSCR loans and hard money loans are two types of loans that real estate investors often compare before purchasing a property. Both are designed for investment properties, but they serve different purposes and are best for different situations.<...

DSCR loans qualify investment properties primarily on rental income rather than tax returns, W-2s, pay stubs, or personal debt-to-income (DTI) ratios. That qualification method affects how the loan is evaluated, but it does not eliminate the usual costs of buying ...