Backflip for Oregon investors
Backflip combines hard money lending with deal-analysis tools — particularly useful for newer investors wanting integrated underwriting support.
Oregon context
Oregon SB 608 statewide rent control. DSCR economics challenged.
How Backflip positions in Oregon
Oregon is well covered by national DSCR lenders, with Backflip as one option. Where Backflip differentiates: tech-forward. Where it competes: rates 9.99 to 11.99 percent against peer programs.
City-level coverage in Oregon
Backflip provides DSCR coverage across Oregon metros including Portland, Eugene, and Salem. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Backflip program terms apply uniformly across Oregon metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, bridge |
| Loan size | $50K - $2.5M |
| Rates | 9.99%-11.99% |
| Points | 1 - 3 |
| Max LTV | 85% of ARV |
| Term lengths | 12 months |
| Typical close time | 5-10 days typical |
| Oregon property tax | 1% |
| Oregon state income tax | 9.9% |
Backflip strengths in Oregon
- tech-forward
- deal analysis tools
- newer investor friendly
Ideal borrower: Newer investor needing deal analysis tools alongside financing
FAQ
Yes, operates nationally including Oregon. Backflip is based in Denver, CO and operates nationally.
Portland is the top investor market in Oregon and falls within Backflip national coverage. Portland property tax follows the Oregon state rate of 1 percent. Backflip typically underwrites Portland acquisitions at standard rate sheets.
Yes. Eugene ranks among the larger Oregon investor metros and sees consistent DSCR loan volume from Backflip. Submarket variation within Eugene matters for property selection.
Backflip applies the same rate sheet across Oregon metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Portland, Eugene, and Salem all qualify for the same Backflip program.
Backflip indicative DSCR rate range is 9.99 to 11.99 percent with 1 to 3 points.
Oregon SB 608 statewide rent control. DSCR economics challenged. Backflip follows standard business-purpose loan structures.
Backflip funds fix-and-flip, BRRRR, bridge in Oregon.
Oregon allows standard DSCR prepay structures; Backflip typically uses 3-5 year step down.
Backflip typical close: 5-10 days typical.
Bottom line
Backflip in Oregon works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Backflip.