Hard money lenders in Oregon fund on the asset, not the borrower’s tax return — fast, short-term, business-purpose capital for acquisitions that conventional lenders can’t move on in time. Oregon investors use it for auctions, estates, BRRRR starts, and bridge situations across Portland and Salem.
What Oregon investors use hard money for
- Distressed / non-warrantable assets a conventional lender will not touch
- Auction and trustee-sale buys — close on the courthouse timeline, not a 45-day bank clock
- Bridge between purchase and permanent financing or sale
- BRRRR starts — acquire and rehab, then exit to Oregon DSCR
Why speed matters here: Oregon foreclosure is non-judicial — trust-deed foreclosure is common and relatively quick. Cash-like certainty wins these deals against slower conventional offers.
Oregon hard money terms (2026)
| Term | Oregon range |
|---|---|
| Leverage | Up to ~90% of purchase + rehab, capped to ARV |
| Rate | Interest-only, ~10%–13% + points |
| Term | 6–18 months |
| Close | As fast as 7–14 days |
| Basis | Asset-based; $395,000 – $575,000 typical ARV |
Oregon metros we fund
| Metro | Typical basis | Rent band | On-the-ground notes |
|---|---|---|---|
| Portland | $420K–$580K | $1,900–$2,600 | ADU additions funded as new-construction holdbacks |
| Salem | $360K–$480K | $1,700–$2,250 | state-capital demand; statewide rent cap applies |
Oregon levies state income tax (~4.75%–9.9%); structure the hold or flip exit with that in mind.
Diligence before you fund in Oregon
Underwrite local risk honestly in Oregon:
- Wildfire/WUI exposure
- Seismic (Cascadia) considerations
What we need to issue a Oregon term sheet
- Entity documents (LLC operating agreement, EIN) for vesting
- Purchase contract or auction confirmation
- Scope of work and rehab budget
- A credible exit — resale comps or projected rent
- Proof of funds for down payment and reserves
Clean documents on these points are what compress a Oregon closing to days, not weeks.
Recent Oregon deal
Portland ADU addition funded as new-construction holdback draw. Asset and exit drove the approval — not a personal income file.
Define the exit before you borrow
Hard money is a bridge, not a destination. In Oregon that means one of two exits:
- Resale — finish and sell via fix and flip loans Oregon economics
- Refinance — stabilize and hold with an Oregon DSCR loan
Oregon Division of Financial Regulation licensing; state rent-control rules affect hold strategy.
Oregon hard money FAQ
How fast can an Oregon hard money loan close?
With clear title and a workable scope, Oregon deals can fund in roughly 7–14 days — fast enough for Portland auction and estate deadlines.
What leverage do Oregon hard money lenders offer?
Commonly up to ~90% of purchase plus rehab, capped against ARV (often the $395,000 – $575,000 band in Oregon). Pricing reflects speed and asset risk, not your credit score alone.
What is the exit on an Oregon hard money loan?
Either resale via fix and flip, or refinance into an Oregon DSCR loan on stabilized rent. Define the exit before you fund.
Get Your Oregon Hard Money Quote · (833) 264-7776
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. All loans are subject to full underwriting. Jaken Finance Group only finances non-owner occupied investment properties.