All Programs and Guides on Investor Loans Oregon
Every guide on this site, one screen. Program pages carry the mechanics; market pages carry the local numbers and permit rules; all figures are dated and registry-verified.
Loan programs
- DSCR loans: qualify on the property's rent; no tax returns; LLC-friendly.
- Investor cash-out refinance: ordinary rules, no transfer tax to refinance, BRRRR seasoning timelines.
- Short-term rental loans: Airbnb financing with honest income-documentation lanes and the permit reality.
- LLC lending: close in the entity; due-on-sale rules; why Oregon has no series LLC.
- Portfolio + 2–4 unit + foreign national: the 10-loan conventional cap and what's past it.
- Bank-statement loans: self-employed qualifying from deposits after an expense factor.
- 1031 replacement financing: closing inside the 45/180-day clocks.
Market guides
- Portland metro: soft prices and the heaviest local-tax load, county by county.
- Bend + Central Oregon: high rents, cooling STR yields, the 500-foot permit buffer.
- Salem + Eugene: the valley's friendlier cash-flow math and the university rental engine.
Oregon reference
- The Oregon rent cap, for investors: 9.5% for 2026, vacancy decontrol, and the 15-year exemption.
- Measure 5/50 and property taxes: no reassessment on sale, effective rates, nonresident withholding.
- STR rules by city: the nine-jurisdiction status table, verified July 2026.
- The HB 4128 corporate-homebuyer law: why it doesn't touch a small investor.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal or tax advice. Oregon's rent-cap figure, city and county STR rules, and tax figures change; verify current requirements with the city or county, your CPA, or an Oregon real estate attorney before you buy. Loans are subject to buyer and property qualification.