Why Real Estate Investors Nationwide Choose
Grafton Funding
Your Investment Real Estate Financing Partner
Grafton Funding specializes exclusively in investment real estate financing for non-owner occupied properties, with years of experience in this space. Unlike traditional mortgage lenders focused on primary residences, we specialize exclusively in non-owner occupied investment properties, with programs built specifically for real estate investors seeking flexible, scalable capital solutions.
We provide nationwide financing for:
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Fix & flip projects
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Ground-up construction
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Long-term rental properties
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Short-term rental investments
Our mission is simple: structure financing that aligns with your investment strategy — not force your strategy to fit rigid lending guidelines.
A Flexible Financing Model Designed for Investors
Grafton Funding operates with a hybrid financing model.
We serve as a direct lender on select bridge and fix & flip programs while also providing access to competitive nationwide DSCR rental loan options through trusted lending partners.
This structure allows us to:
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Offer multiple financing paths
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Match investors with the right program
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Adapt to unique project structures
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Provide solutions when single-lender models cannot
Rather than fitting investors into one rigid program, we structure financing around your project and long-term goals.
Investor-Focused Underwriting
Traditional banks evaluate personal income first.
We evaluate:
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Property performance
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Project viability
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Exit strategy
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Rental income potential
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Asset value
Whether you are flipping properties, building new inventory, or scaling a rental portfolio, our underwriting approach is designed for both new and repeat real estate investors.
Nationwide Lending Coverage
We provide investment real estate financing across most U.S. states.
Our team works with real estate investors nationwide across multiple project types and financing structures.
Our programs focus on:
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1–10 unit residential properties
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Rental portfolio expansion
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Short-term rental financing
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Bridge and construction loans
*States we lend in
*States we do not lend in currently
Long-Term Relationships Over Transactions
Many lenders focus on single transactions.
Our approach centers on long-term investor relationships.
We work alongside our repeat investor clients across multiple projects — from acquisition and renovation to refinancing and portfolio growth.
Our goal is to become your financing partner for repeat investment activity across multiple project types.
If you’re ready to structure financing for your next investment property, explore our loan programs or get pre-qualified today.
Explore our core investment loan programs:
FAQs
Q: Why should I choose Grafton Funding over a bank or credit union?
A: Banks rely on W-2 income, tax returns, and slow underwriting timelines that kill deals. Grafton Funding is investor-focused and asset-driven — we evaluate the deal, not your pay stub. Fix & flip and bridge loans can close in as little as 3 to 5 days. No loan committees. No red tape.
Q: Do you lend to investors with no prior experience?
A: Yes. We work with first-time investors as well as seasoned professionals. For fix-and-flip loans, we look at the project's merit — ARV, equity, and your exit plan — not just your track record. DSCR loans qualify based on the property's rent income, so experience is less of a factor.
Q: How fast can Grafton Funding close?
A: It depends on the program. Fix & flip and bridge loans can close in as little as 3 to 5 days in most states — no appraisal required in most cases. DSCR rental loans typically close in 21–30 days depending on the program, title, and borrower preparation. Contact us to discuss timing for your specific deal.
Q: What states does Grafton Funding lend in?
A: We lend nationwide across most U.S. states. Our most active markets include North Carolina, South Carolina, Georgia, Florida, and Texas, but we work with investors across the country. Contact us to confirm program availability in your state.
Q: Does Grafton Funding have a minimum loan amount?
A: Minimum loan amounts vary by program. Fix & flip and bridge loans start at $50,000. DSCR rental loans start at $75,000. Most deals we fund range from $100,000 to $2,000,000+. We work with single properties, small multifamily (1–10 units), and portfolios.
Q: Is Grafton Funding a direct lender or a broker?
A: Grafton Funding operates as both a direct lender and a broker, depending on the program. We are a direct lender on select fix & flip and bridge programs — funding from our own capital for fast, in-house decisions. For DSCR rental loans, we access competitive nationwide programs through trusted lending partners. This hybrid model gives investors more options and flexibility than a single-lender approach.
Q: What loan products does Grafton Funding offer?
A: We offer four core products: DSCR rental loans (for long-term holds), fix-and-flip/bridge loans (for value-add projects), short-term rental (STR/Airbnb) loans, and new construction loans. Each product is designed specifically for real estate investors — not owner-occupants.
Q: What makes Grafton Funding different from other hard money lenders?
A: Three things: speed, flexibility, and expertise. We're not a national call center. As both a direct lender and a broker, we have the flexibility to find the right program for your deal. We keep underwriting simple, communication consistent, and closings fast. Most borrowers work with us repeatedly because the process just works.