New Silver for Oregon investors
New Silver is a tech-forward non-QM lender with fast underwriting and accessible minimum loan sizes that suit newer investors.
Oregon context
Oregon SB 608 statewide rent control. DSCR economics challenged.
How New Silver positions in Oregon
Oregon is well covered by national DSCR lenders, with New Silver as one option. Where New Silver differentiates: tech-driven fast underwriting. Where it competes: rates 9.5 to 11.75 percent against peer programs.
City-level coverage in Oregon
New Silver provides DSCR coverage across Oregon metros including Portland, Eugene, and Salem. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. New Silver 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 |
| Loan size | $100K - $3.0M |
| Rates | 9.5%-11.75% |
| Points | 1 - 3 |
| Max LTV | 85% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 5-14 days typical |
| Oregon property tax | 1% |
| Oregon state income tax | 9.9% |
New Silver strengths in Oregon
- tech-driven fast underwriting
- low minimum loan sizes
- BRRRR-friendly
Ideal borrower: Newer-to-mid investor with smaller deal sizes
FAQ
Yes, operates nationally including Oregon. New Silver is based in West Hartford, CT and operates nationally.
Portland is the top investor market in Oregon and falls within New Silver national coverage. Portland property tax follows the Oregon state rate of 1 percent. New Silver typically underwrites Portland acquisitions at standard rate sheets.
Yes. Eugene ranks among the larger Oregon investor metros and sees consistent DSCR loan volume from New Silver. Submarket variation within Eugene matters for property selection.
New Silver 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 New Silver program.
New Silver indicative DSCR rate range is 9.5 to 11.75 percent with 1 to 3 points.
Oregon SB 608 statewide rent control. DSCR economics challenged. New Silver follows standard business-purpose loan structures.
New Silver funds fix-and-flip, BRRRR, rental, bridge in Oregon.
Oregon allows standard DSCR prepay structures; New Silver typically uses 3-5 year step down.
New Silver typical close: 5-14 days typical.
Bottom line
New Silver 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 New Silver.