Oregon DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
Oregon (OR) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Oregon utilize Non-Judicial (Oregon Trust Deed Act) security instruments, with an average non-homestead effective property tax rate of 0.91%, a median 1–4 unit investment home price of $495,000 (median rent $3,350/mo), and 5+ unit multifamily market rents averaging $1,880/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Non-Judicial (Oregon Trust Deed Act)EFFECTIVE PROPERTY TAX
0.91% Avg ($375/mo)MEDIAN 1–4 UNIT PRICE & RENT
$495,000 · $3,350/mo5+ UNIT MULTIFAMILY RENT
$1,880/door/moOregon Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine
Price/Door: $495,000·Loan/Door: $371,250·Avg Rent/Door: $3,350/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.14xCanonical:
114 bps · 7500 bps LTV · 6625 bps Rate1.00x Breakeven DSCR Eligible (1–4 Units)
Loan Amount (75% LTV)$371,25037,125,000 _cents
Monthly P&I Debt Service$2,377/mo@ 6.625% Note Rate
Total Monthly PITIA$2,926/moTax: $375 · Ins: $173
Net Monthly Cash Flow+$424/mo$5,090/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $2,926/mo | 1.14x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $2,988/mo | 1.12x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $2,714/mo | 1.23x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.
Oregon Cities with Population ≥ 50,000 (12 Markets)
Click any Oregon city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (OR) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| Portland, OR → | MULTNOMAH County County | 664,307 | 0.89% | $540,000 | $3,700/mo | $2,075/door |
| Salem, OR → | MARION County County | 175,069 | 0.89% | $495,000 | $3,400/mo | $1,900/door |
| Eugene, OR → | LANE County County | 173,517 | 0.91% | $565,000 | $3,800/mo | $2,125/door |
| Gresham, OR → | MULTNOMAH County County | 119,243 | 0.87% | $435,000 | $3,000/mo | $1,675/door |
| Hillsboro, OR → | WASHINGTON County County | 106,131 | 0.86% | $460,000 | $3,100/mo | $1,750/door |
| Beaverton, OR → | WASHINGTON County County | 101,961 | 0.95% | $515,000 | $3,450/mo | $1,925/door |
| Bend, OR → | DESCHUTES County County | 88,547 | 0.93% | $510,000 | $3,400/mo | $1,925/door |
| Medford, OR → | JACKSON County County | 84,668 | 0.91% | $505,000 | $3,400/mo | $1,900/door |
| Springfield, OR → | LANE County County | 65,593 | 0.89% | $440,000 | $3,000/mo | $1,700/door |
| Corvallis, OR → | BENTON County County | 60,275 | 0.96% | $490,000 | $3,300/mo | $1,850/door |
| Albany, OR → | LINN County County | 56,225 | 0.91% | $505,000 | $3,400/mo | $1,900/door |
| Tigard, OR → | Tigard Metro County County | 54,984 | 0.89% | $470,000 | $3,200/mo | $1,775/door |