Mortgage Capital Funding for Oregon investors
Mortgage Capital Funding is a broker-only DSCR lender offering a no-ratio program alongside standard DSCR underwriting (0.75 minimum DSCR, 660 minimum credit score). Maximum LTV is 80% on loans up to $1,500,000 for borrowers with a 700+ credit score; overall loan size runs $150,000 to $3,000,000. The company does not publish rate or state-coverage figures in the sources reviewed.
Oregon context
Oregon SB 608 statewide rent control. DSCR economics challenged.
How Mortgage Capital Funding positions in Oregon
The Oregon lender pool for DSCR includes Mortgage Capital Funding among the active platforms. Oregon top metros (Portland, Eugene, Salem) see meaningful Mortgage Capital Funding loan volume.
City-level coverage in Oregon
Mortgage Capital Funding provides DSCR coverage across Oregon metros including Portland, Eugene, and Salem. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Mortgage Capital Funding 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 - $3.0M |
| 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% |
Mortgage Capital Funding strengths in Oregon
- No-ratio DSCR program available
- Broker-only origination
- 80% LTV up to $1,500,000 at 700+ credit score
- 0.75 minimum DSCR
Ideal borrower: Broker-originated borrower with 700+ credit score seeking maximum leverage up to $1.5M, or a no-ratio DSCR deal.
FAQ
Likely; verify direct Oregon coverage. Mortgage Capital Funding 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 Mortgage Capital Funding states not publicly disclosed footprint. Portland property tax follows the Oregon state rate of 1 percent. Mortgage Capital Funding typically underwrites Portland acquisitions at standard rate sheets.
Yes. Eugene ranks among the larger Oregon investor metros and sees consistent DSCR loan volume from Mortgage Capital Funding. Submarket variation within Eugene matters for property selection.
Mortgage Capital Funding 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 Mortgage Capital Funding program.
Mortgage Capital Funding 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. Mortgage Capital Funding follows standard business-purpose loan structures.
Mortgage Capital Funding funds rental DSCR in Oregon.
Oregon allows standard DSCR prepay structures; Mortgage Capital Funding typically uses 3-5 year step down.
Mortgage Capital Funding typical close: Not publicly published.
Bottom line
For Oregon DSCR borrowers, Mortgage Capital Funding is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Mortgage Capital Funding.