Lendai Finance for Oregon investors
Lendai Finance specializes in foreign-national DSCR — non-US-resident investor financing on US real estate, a category most lenders won't touch.
Oregon context
Oregon SB 608 statewide rent control. DSCR economics challenged.
How Lendai Finance positions in Oregon
For Oregon specifically, Lendai Finance fits investors who match the hard money approach. The low cash flow profile of Oregon aggregate makes it workable for Lendai Finance.
City-level coverage in Oregon
Lendai Finance provides DSCR coverage across Oregon metros including Portland, Eugene, and Salem. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Lendai Finance 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, foreign-national |
| Loan size | $75K - $3.0M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| Oregon property tax | 1% |
| Oregon state income tax | 9.9% |
Lendai Finance strengths in Oregon
- foreign-national DSCR specialist
- experienced cross-border underwriting
Ideal borrower: Foreign-national investor or LLC-wrapped investor
FAQ
Yes, operates nationally including Oregon. Lendai Finance is based in New York, NY and operates nationally.
Portland is the top investor market in Oregon and falls within Lendai Finance national coverage. Portland property tax follows the Oregon state rate of 1 percent. Lendai Finance typically underwrites Portland acquisitions at standard rate sheets.
Yes. Eugene ranks among the larger Oregon investor metros and sees consistent DSCR loan volume from Lendai Finance. Submarket variation within Eugene matters for property selection.
Lendai Finance 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 Lendai Finance program.
Lendai Finance indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Oregon SB 608 statewide rent control. DSCR economics challenged. Lendai Finance follows standard business-purpose loan structures.
Lendai Finance funds fix-and-flip, BRRRR, rental, bridge, foreign-national in Oregon.
Oregon allows standard DSCR prepay structures; Lendai Finance typically uses 3-5 year step down.
Lendai Finance typical close: 14-21 days typical.
Bottom line
Oregon investors considering Lendai Finance should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Lendai Finance.