Pillar Capital Partners for Oregon investors
Pillar Capital Partners runs both private money and DSCR rental products with a Midwest focus.
Oregon context
Oregon SB 608 statewide rent control. DSCR economics challenged.
How Pillar Capital Partners positions in Oregon
Within Oregon, Pillar Capital Partners competes alongside other DSCR lenders. Pillar Capital Partners strengths: Midwest focus, experienced underwriting. The low aggregate DSCR economics of Oregon create demand for Pillar Capital Partners programs in Portland and Eugene particularly.
City-level coverage in Oregon
Pillar Capital Partners provides DSCR coverage across Oregon metros including Portland, Eugene, and Salem. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Pillar Capital Partners program terms apply uniformly across Oregon metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | Private money |
|---|---|
| Products | fix-and-flip, rental, bridge, private notes |
| Loan size | $75K - $2.5M |
| Rates | 10%-12.5% |
| Points | 1.5 - 3 |
| Max LTV | 70% of ARV |
| Term lengths | 6-18 months (hard money) / 30-year (rental) |
| Typical close time | 7-14 days typical |
| Oregon property tax | 1% |
| Oregon state income tax | 9.9% |
Pillar Capital Partners strengths in Oregon
- Midwest focus
- experienced underwriting
- broad product suite
Ideal borrower: Mid-to-experienced investor in Chicago or Milwaukee
FAQ
Likely; verify direct Oregon coverage. Pillar Capital Partners is based in Chicago, IL and operates in Chicago and Milwaukee metros.
Portland is the top investor market in Oregon and is generally within Pillar Capital Partners Chicago and Milwaukee metros footprint. Portland property tax follows the Oregon state rate of 1 percent. Pillar Capital Partners typically underwrites Portland acquisitions at standard rate sheets.
Yes. Eugene ranks among the larger Oregon investor metros and sees consistent DSCR loan volume from Pillar Capital Partners. Submarket variation within Eugene matters for property selection.
Pillar Capital Partners 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 Pillar Capital Partners program.
Pillar Capital Partners indicative DSCR rate range is 10 to 12.5 percent with 1.5 to 3 points.
Oregon SB 608 statewide rent control. DSCR economics challenged. Pillar Capital Partners follows standard business-purpose loan structures.
Pillar Capital Partners funds fix-and-flip, rental, bridge, private notes in Oregon.
Oregon allows standard DSCR prepay structures; Pillar Capital Partners typically uses 3-5 year step down.
Pillar Capital Partners typical close: 7-14 days typical.
Bottom line
For Oregon DSCR borrowers, Pillar Capital Partners is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Pillar Capital Partners.