Does Oregon's statewide rent cap affect DSCR qualification?

Not directly. We underwrite current contract rent. The cap affects your pro forma growth assumptions, not today's DSCR math, just model conservatively.

Can I get a DSCR loan on a Bend STR?

Yes. We qualify on AirDNA projections for first-time STR buyers throughout Bend and Central Oregon.

What's the best Oregon metro for DSCR cash flow?

Salem or Medford, both offer more affordable entry than Portland with strong rent-to-value math.

What FICO score do I need for a DSCR loan in Oregon?

660 standard, 500 expanded. OR pricing is competitive across both coastal and inland metros.

Oregon Real Estate Investors

DSCR Loans in Oregon

Bend STRs and Portland appreciation in a state with the country's only statewide rent cap, underwrite growth assumptions carefully.

DSCR loans in Oregon areinvestment property mortgages that qualify on the property's rental income, not the borrower's W-2 or tax returns. Get Brick Capital services DSCR loans throughout Oregon, including its major investor metros, with FICO floors as low as 660 standard, DSCR floors as low as 0.75 expanded, $50,000 minimum loans, and 28-day average closings.

Major Investor Metros in Oregon

Portland

The state's primary investor market with rent control and strong tenant protections to underwrite around.

Salem

State capital with stable government tenant base and more affordable entry than Portland.

Eugene

University of Oregon rentals and steady long-term demand.

Bend

Central Oregon STR and vacation rental market with strong tourism.

Medford

Southern Oregon cash-flow market with more affordable entry prices.

Oregon Investor Market Overview

Oregon is one of the more regulated investor markets in the US. The state passed SB 608 in 2019, creating the country's first statewide rent cap (CPI + 7%, with a hard ceiling) and just-cause eviction rules. Portland layers additional tenant protections on top. Investors must underwrite rent growth realistically. You can't pro forma double-digit annual increases here.

Despite the regulation, Oregon's investor markets remain active. Bend is a legitimate STR market with strong AirDNA numbers (ski, mountain bike, high desert tourism). Salem, Eugene, and Medford offer more affordable cash flow. Oregon is non-judicial on foreclosures via trust deed, which helps hard money exit timing.

Common Property Types

Portland SFRs and small multifamily
Bend STRs and vacation rentals
Salem government-tenant SFRs
Eugene student and professional rentals
Medford cash-flow SFRs

Investor Strategies That Work Here

Bend STR purchases on AirDNA projections
Portland buy-and-hold for appreciation (with realistic growth modeling)
Salem and Medford cash-flow BRRRR
Eugene student rental buy-and-hold

Why DSCR Lending Fits Oregon

Oregon's statewide rent cap doesn't block DSCR qualification because we underwrite current contract rent, not theoretical max rent. The cap affects pro forma growth but not today's deal. For Bend STR buyers, AirDNA qualification is the only path for first-time operators and we run that program daily. Portland's high prices push many investors out of conventional DTI-based financing and into DSCR.

Oregon DSCR Loan FAQ

DSCR Programs Available in Oregon

DSCR Refinance Loans

BRRRR, cash-out, rate & term, and delayed purchase.

DSCR Purchase Loans

Long-term and short-term rental purchase financing.

BRRRR Refinance

No seasoning, no lease. Refinance the day rehab is done.

DSCR Calculator

Run your Oregon property numbers in real time.

Submit a Oregon Scenario

No credit pull. Rates within 24 hours. 28-day average closings.

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