Visio Lending vs Griffin Funding
Both strong DSCR lenders. Griffin adds bank statement programs and accepts 620 credit; Visio requires 680 but has deeper DSCR specialization. Griffin is better for self-employed borrowers.
Shared products: DSCR · Updated March 2026
4.2
Visio Lending
Wins 1 categories
4.0
Griffin Funding
Wins 3 categories
Full Comparison
| Feature | Visio Lending | Griffin Funding |
|---|---|---|
| Interest Rates | 6.5%–8.5% | 6.5%–9% |
| Max LTV | 80% | 80% |
| Min Credit Score | 680 | 620Better |
| Loan Range | $75K–$2M | $100K–$5M |
| Origination Fee | 1–2 points | 0–2 points |
| Speed to Close | 21–30 days | 21–30 days |
| Experience Required | No experience required | No experience required |
| LLC Borrowing | Yes | Yes |
| Interest-Only | Available | Available |
| Prepayment Penalty | 5-4-3-2-1 step-down | 3-year step-down (DSCR) |
| Foreign National | No | YesBetter |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Condo, Townhouse, Multifamily (5+) | SFR (1-4), Condo, Townhouse, Multifamily (5+) |
| Loan Products | 1 products | 2 productsBetter |
| Founded | 2012 | 2014 |
| Editor Rating | 4.2 / 5.0Better | 4.0 / 5.0 |
Pros & Cons
Visio Lending
Pros
- +DSCR specialist — deep product knowledge
- +Competitive rates for 30-year DSCR
- +Consistent underwriting process
- +Interest-only options available
- +Multifamily (2-8 units) eligible
Cons
- –DSCR only — no flip or bridge products
- –Longer closing times than fix-and-flip lenders
- –Longer prepayment penalty period (5 years)
- –Higher credit requirement (680+) than some competitors
Griffin Funding
Pros
- +Low credit minimum (620) for DSCR
- +Bank statement programs for self-employed
- +Foreign national financing available
- +High max loan amount ($5M)
- +Interest-only options
Cons
- –No fix-and-flip or bridge products
- –Closing times on the longer side (21-30 days)
- –Prepayment penalties on DSCR products
Frequently Asked Questions
Is Visio Lending or Griffin Funding better for real estate investors?
Both strong DSCR lenders. Griffin adds bank statement programs and accepts 620 credit; Visio requires 680 but has deeper DSCR specialization. Griffin is better for self-employed borrowers.
What loan types do Visio Lending and Griffin Funding both offer?
Both lenders offer DSCR. Griffin Funding offers 2 total products vs Visio Lending's 1.
Which has lower rates, Visio Lending or Griffin Funding?
Visio Lending advertises rates starting at 6.5% while Griffin Funding starts at 6.5%. Both have the same starting rate, but actual rates depend on your credit score, LTV, property type, and loan product. Always get quotes from both lenders.
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