LendingOne for Oregon investors
LendingOne is an established national non-QM lender with deep coverage across hard money and rental products. Covers all states and DC except Alaska, Nevada, North Dakota, South Dakota, and Utah, with 75% LTV on cash-out refinance.
Oregon context
Oregon SB 608 statewide rent control. DSCR economics challenged.
How LendingOne positions in Oregon
The Oregon lender pool for DSCR includes LendingOne among the active platforms. Oregon top metros (Portland, Eugene, Salem) see meaningful LendingOne loan volume.
City-level coverage in Oregon
LendingOne provides DSCR coverage across Oregon metros including Portland, Eugene, and Salem. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. LendingOne 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, new-construction |
| Loan size | $85K - $2.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% 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% |
LendingOne strengths in Oregon
- established track record
- broad product suite
- national investor focus
Ideal borrower: Mid-to-experienced investor with stabilized portfolio
FAQ
Yes, operates nationally including Oregon. LendingOne is based in Boca Raton, FL and operates nationally.
Portland is the top investor market in Oregon and falls within LendingOne national coverage. Portland property tax follows the Oregon state rate of 1 percent. LendingOne typically underwrites Portland acquisitions at standard rate sheets.
Yes. Eugene ranks among the larger Oregon investor metros and sees consistent DSCR loan volume from LendingOne. Submarket variation within Eugene matters for property selection.
LendingOne 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 LendingOne program.
LendingOne indicative DSCR rate range is 9 to 12 percent with 1 to 3 points.
Oregon SB 608 statewide rent control. DSCR economics challenged. LendingOne follows standard business-purpose loan structures.
LendingOne funds fix-and-flip, BRRRR, rental, bridge, new-construction in Oregon.
Oregon allows standard DSCR prepay structures; LendingOne typically uses 3-5 year step down.
LendingOne typical close: 14-21 days typical.
Bottom line
For Oregon DSCR borrowers, LendingOne is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with LendingOne.