MoFin Lending for Oregon investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
Oregon context
Oregon SB 608 statewide rent control. DSCR economics challenged.
How MoFin Lending positions in Oregon
The Oregon lender pool for DSCR includes MoFin Lending among the active platforms. Oregon top metros (Portland, Eugene, Salem) see meaningful MoFin Lending loan volume.
City-level coverage in Oregon
MoFin Lending provides DSCR coverage across Oregon metros including Portland, Eugene, and Salem. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. MoFin Lending 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 | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Oregon property tax | 1% |
| Oregon state income tax | 9.9% |
MoFin Lending strengths in Oregon
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Oregon. MoFin Lending is based in an undisclosed location and operates nationally.
Portland is the top investor market in Oregon and falls within MoFin Lending national coverage. Portland property tax follows the Oregon state rate of 1 percent. MoFin Lending typically underwrites Portland acquisitions at standard rate sheets.
Yes. Eugene ranks among the larger Oregon investor metros and sees consistent DSCR loan volume from MoFin Lending. Submarket variation within Eugene matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending 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. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Oregon.
Oregon allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
MoFin Lending 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 MoFin Lending.