Easy Street Capital for Oregon investors
Easy Street Capital has one of the more flexible non-QM platforms in the market, with particular strength in short-term rental DSCR underwriting (counting projected nightly revenue rather than long-term lease income). Excludes North Dakota, South Dakota, Minnesota, Nevada, and New York; offers same-day term sheets.
Oregon context
Oregon SB 608 statewide rent control. DSCR economics challenged.
How Easy Street Capital positions in Oregon
For Oregon specifically, Easy Street Capital fits investors who match the hard money approach. The low cash flow profile of Oregon aggregate makes it workable for Easy Street Capital.
City-level coverage in Oregon
Easy Street Capital provides DSCR coverage across Oregon metros including Portland, Eugene, and Salem. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Easy Street Capital 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, rental, bridge, STR-friendly DSCR |
| Loan size | $75K - $2.0M |
| Rates | 5.75%-11.5% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-18 months (hard money) / 30-year (rental) |
| Typical close time | 7-14 days typical |
| Oregon property tax | 1% |
| Oregon state income tax | 9.9% |
Easy Street Capital strengths in Oregon
- STR-DSCR program with projected income underwriting
- fast tech-driven origination
- experienced borrower programs
Ideal borrower: Investor with STR or BRRRR focus needing flexible underwriting
FAQ
Yes, operates nationally including Oregon. Easy Street Capital is based in Austin, TX and operates nationally.
Portland is the top investor market in Oregon and falls within Easy Street Capital national coverage. Portland property tax follows the Oregon state rate of 1 percent. Easy Street Capital typically underwrites Portland acquisitions at standard rate sheets.
Yes. Eugene ranks among the larger Oregon investor metros and sees consistent DSCR loan volume from Easy Street Capital. Submarket variation within Eugene matters for property selection.
Easy Street Capital 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 Easy Street Capital program.
Easy Street Capital indicative DSCR rate range is 5.75 to 11.5 percent with 1 to 3 points.
Oregon SB 608 statewide rent control. DSCR economics challenged. Easy Street Capital follows standard business-purpose loan structures.
Easy Street Capital funds fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR in Oregon.
Oregon allows standard DSCR prepay structures; Easy Street Capital typically uses 3-5 year step down.
Easy Street Capital typical close: 7-14 days typical.
Bottom line
For Oregon DSCR borrowers, Easy Street Capital is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Easy Street Capital.