LoanFunders for Oregon investors
LoanFunders is a direct DSCR lender with a 0.80 minimum DSCR floor (1.15 DSCR required for its best pricing tier) and a 660 minimum credit score. Minimum loan size is $100,000, with maximum LTV of 80% (75% on 2–8 unit properties). The company does not publish maximum loan size, rate, or state-coverage figures in the sources reviewed.
Oregon context
Oregon SB 608 statewide rent control. DSCR economics challenged.
How LoanFunders positions in Oregon
Within Oregon, LoanFunders competes alongside other DSCR lenders. LoanFunders strengths: 0.80 minimum DSCR floor (1.15 DSCR for best pricing), Direct lender. The low aggregate DSCR economics of Oregon create demand for LoanFunders programs in Portland and Eugene particularly.
City-level coverage in Oregon
LoanFunders provides DSCR coverage across Oregon metros including Portland, Eugene, and Salem. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. LoanFunders program terms apply uniformly across Oregon metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $100K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Oregon property tax | 1% |
| Oregon state income tax | 9.9% |
LoanFunders strengths in Oregon
- 0.80 minimum DSCR floor (1.15 DSCR for best pricing)
- Direct lender
- $100,000 minimum loan size
- Maximum 80% LTV (75% on 2–8 unit properties)
Ideal borrower: Investor with at least 0.80 DSCR seeking a direct lender; best pricing available at 1.15+ DSCR.
FAQ
Likely; verify direct Oregon coverage. LoanFunders is based in an undisclosed location and operates in states not publicly disclosed.
Portland is the top investor market in Oregon and is generally within LoanFunders states not publicly disclosed footprint. Portland property tax follows the Oregon state rate of 1 percent. LoanFunders typically underwrites Portland acquisitions at standard rate sheets.
Yes. Eugene ranks among the larger Oregon investor metros and sees consistent DSCR loan volume from LoanFunders. Submarket variation within Eugene matters for property selection.
LoanFunders 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 LoanFunders program.
LoanFunders does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Oregon SB 608 statewide rent control. DSCR economics challenged. LoanFunders follows standard business-purpose loan structures.
LoanFunders funds rental DSCR in Oregon.
Oregon allows standard DSCR prepay structures; LoanFunders typically uses 3-5 year step down.
LoanFunders typical close: Not publicly published.
Bottom line
For Oregon DSCR borrowers, LoanFunders is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with LoanFunders.