REHAB & BRRRR LOANS · Oregon (OR) Underwriting Matrix

Oregon Investor Rehab & BRRRR Renovation Loans (Purchase + Holdback to DSCR) — 2026 Rates, LTV Caps & State Rules

Oregon Rehab & BRRRR Loans provide business-purpose real estate investors with Up to 85%–90% LTC + 100% Rehab Escrowed across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout) (12-Mo Rehab Bridge + Seamless 30-Yr DSCR Refi, 620+ FICO min FICO, 7 – 12 Business Days close). In Oregon (OR), lenders underwrite to a Non-Judicial (Oregon Trust Deed Act) statutory framework (130–160 days-day average timeline), a 0.91% average property tax rate (~$375/mo at the $495,000 state median), and $440/$100K hazard insurance (~$182/mo).

Max Leverage / LTC

Up to 85%–90% LTC + 100% Rehab Escrowed

Min FICO: 620+ FICO

2026 Rate Band

9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)

12-Mo Rehab Bridge + Seamless 30-Yr DSCR Refi

OR Security Instrument

Non-Judicial (Oregon Trust Deed Act)

130–160 days days avg timeline

OR Avg Tax & Ins

0.91% Tax

$440/$100K Hazard Ins

How Rehab & BRRRR Loans Work in Oregon (OR)

Investor rehab loans are engineered for the Buy, Rehab, Rent, Refinance, Repeat (BRRRR) strategy—funding up to 90% of purchase and 100% of renovation costs, then transitioning into a 75% LTV 30-year fixed DSCR cash-out refinance as soon as work is complete and the property is leased.

1. Oregon Median Benchmark

Median 1–4 unit price of $495,000 (75% LTV = $371,250) with Form 1007 rent of $3,350/mo and multifamily rent of $1,880/door.

2. Escrow & Title Underwriting

Oregon operates under a Non-Judicial (Oregon Trust Deed Act) regime (130–160 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (7 – 12 Business Days)

Close in your Oregon LLC or Delaware LLC registered in OR with zero personal tax returns, W-2s, or 4506-C transcripts.

Explore Other Programs in Oregon

Oregon DSCR Loans (Up to 80% LTV Purchase / 75% Cash-Out)Oregon Hard Money Loans (Up to 85%–90% LTC / 75% ARV)Oregon Private Money Loans (Up to 80% LTV / 85% LTC)Oregon Fix & Flip Loans (Up to 90% Purchase + 100% Rehab (75% ARV Cap))Oregon Bridge Loans (Up to 80% LTV Acquisition / 75% Bridge Cash-Out)Oregon Ground-Up Construction (Up to 85% LTC / 70%–75% Completed ARV)Oregon Multifamily (5+ Units) (Up to 75%–80% LTV Purchase / 70%–75% Cash-Out)Oregon Commercial Property (Up to 75% LTV)Oregon Cash-Out Refinance (Up to 75% LTV Cash-Out (Select 80% LTV Tiers))