DSCR Loans in Oregon
Oregon's Portland metro, no sales tax, and growing secondary markets create DSCR opportunities for investors who navigate the state's tenant protections.
MARKET OVERVIEW
Oregon DSCR Loan Market
Oregon offers DSCR investors access to Portland's tech-driven economy and secondary markets at lower entry points than neighboring Washington and California. However, Oregon was the first state to implement statewide rent control (SB 608, capping increases at 7%+CPI), and tenant protections are significant. Salem and Eugene offer more affordable alternatives to Portland. Oregon has no sales tax, which reduces business costs. The state's property tax rate of 0.87% is moderate. For DSCR investors, the No-Ratio program may be necessary in Portland, while Salem and Eugene can produce standard DSCR ratios.
Top Investor Cities
- Portland
- Salem
- Eugene
Monthly tax on $495,000 property: $359/mo
PROGRAMS AVAILABLE IN OREGON
8 DSCR Loan Programs for Oregon Investors
Standard DSCR
The most popular option. 20% down, 660+ credit.
No-Ratio DSCR
No minimum DSCR required. 30% down.
Interest-Only DSCR
Lower monthly payments for better cash flow.
STR DSCR
Use projected Airbnb/VRBO income to qualify.
Foreign National DSCR
No SSN or US credit history required.
Bank Statement DSCR
Hybrid qualification for self-employed investors.
Portfolio DSCR
Finance multiple properties under one loan.
Bridge-to-DSCR
Purchase, rehab, then refinance into DSCR.
REQUIREMENTS
DSCR Loan Requirements in Oregon
Licensing & Regulatory
Loans in Oregon are originated by [Broker A], NMLS# [XXXXXX], licensed in Oregon.
All lending decisions and terms are determined solely by the matched broker and their wholesale lending partners.
Common Property Types
- Single-Family Rentals
- Small Multifamily (2-4 Units)
- Condos/Townhomes
Down Payment & LTV
- Standard DSCR: 20% minimum down (80% LTV)
- No-Ratio DSCR: 30% minimum down (70% LTV)
- 30%+ down unlocks No-Ratio DSCR programs and broader lender access
Appraisal & Rent Schedule
- Form 1007 rent schedule required with appraisal
- Appraisal estimates market rent for DSCR calculation
- STR properties: AirDNA projected income accepted
DEAL EXAMPLE
Sample DSCR Deal in Salem, Oregon
Duplex
Salem, Oregon
Monthly Breakdown
This borrower closed in 25 days with no income verification, no tax returns, and no employment check.
Results may vary. This is a representative example, not a guarantee of future performance.
This deal example is for illustrative purposes only and is based on representative scenarios across our broker network. Actual loan terms, approval, and closing depend on your full credit profile, property details, appraisal, and the matched lender's specific guidelines. This is not a loan offer or commitment to lend.
FREQUENTLY ASKED
DSCR Loan Questions for Oregon Investors
DSCR loans in Oregon require a minimum 660 credit score, 20% minimum down payment, and non-owner-occupied status. No income docs or tax returns needed. Oregon's statewide rent control and tenant protections don't affect DSCR loan qualification but should inform your investment strategy.
Rates start from 5.99% for 740+ FICO with 35%+ down. Most Oregon investors see rates between 6.50% and 7.75%.
Yes. Oregon's coast (Cannon Beach, Lincoln City), Bend, and the Columbia Gorge are strong STR markets. Portland has specific STR regulations requiring permits. Our STR DSCR program uses projected income to qualify.
Oregon's effective property tax rate is approximately 0.87%. On a $395,000 duplex, that's about $287/month. Oregon's Measure 50 limits assessed value increases, which can benefit long-term property holders.
Yes. DSCR loans have no owner-occupancy requirement. Understanding Oregon's statewide rent control and tenant protection laws is essential for investment planning.
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Match Me With a SpecialistLoans in Oregon are originated by [Broker A], NMLS# [XXXXXX], licensed in Oregon. is not affiliated with DSCRBroker.com except as a participating broker in our matching network. All lending decisions and terms are determined solely by the matched broker and their wholesale lending partners.