DSCR Loans in Oregon

Start or scale your real estate investment portfolio in Oregon with a DSCR loan. DSCR loans in Oregon enable investors to qualify for a mortgage using rental income rather than personal income. No tax returns or employment verification required.

  • Obtain financing based on cash flow 
  • No-income mortgage solution 
  • Buy or refinance short- and long-term rentals 
  • Unlimited cash-out
  • Competitive DSCR loan rates in Oregon
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Areas We Serve

Griffin Funding provides DSCR loans to borrowers throughout Oregon, including the following areas:

  • Portland
  • Eugene
  • Bend
  • Gresham
  • Medford
  • Corvallis
  • Salem
  • Hillsboro
  • Bandon
  • Beaverton
  • Springfield
  • Willamette Valley
  • Powell Butte
  • Arch Cape
  • Raleigh Hills
  • Lake Oswego
  • Cannon Beach
  • Manzanita

Real Estate Investment Financing in Oregon

Debt service coverage ratio (DSCR) loans allow real estate investors to qualify for a mortgage based on a property’s cash flow rather than personal income. Instead of reviewing tax returns or pay stubs, we prioritize a property’s DSCR — which measures its income versus its debt obligations — to make a lending decision. This offers a flexible mortgage solution for real estate investors looking to build or expand their portfolio. 

DSCR loans can be used to purchase or refinance long-term and short-term rental properties, with financing available for many different property types and no limit on the number of properties financed. Access up to $20 million in financing while enjoying a streamlined underwriting process with no income or employment verification. 

Visit our DSCR loan page to learn more about this type of financing and see today’s rates. Contact Griffin Funding or get started online to take the first step towards securing a DSCR loan in Oregon. 

Frequently Asked Questions

Though there are certain requirements that must be met for a DSCR loan, the process is typically streamlined when compared with a conventional mortgage loan – especially when you partner with an experienced Oregon DSCR lender like Griffin Funding.

Since DSCR loans are a type of non-QM loan, there is more flexibility allowed when it comes to qualifying. Not sure whether this type of loan is right for you? Reach out to us today and we can help you determine the right path forward.

Though DSCR mortgage loans in Oregon boast competitive rates, they are often still higher than conventional loan rates. The exact rate will vary depending on the borrower’s credit score, DSCR, real estate investment/management experience, down payment availability, and more.

Oregon’s real estate market has been steadily increasing in recent years, with a notable increase in the number of homes for sale statewide while maintaining a slow, predictable growth in home value. With stable pricing and more homes for sale, it’s a great time to invest in Oregon real estate.

According to a recent analysis by Redfin, as of July 2024, the median home sale price in Oregon was up nearly 2% from 2023, and the number of sold homes had increased more than 6% over the prior year. This aligns with the state’s steady upward trend for a strong real estate market that shows no signs of slowing down.