FIX & FLIP LOANS · Oregon (OR) Underwriting Matrix

Oregon Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Oregon Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 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 90% Purchase + 100% Rehab (75% ARV Cap)

Min FICO: 620 – 660+ FICO

2026 Rate Band

9.25% – 11.25% Interest-Only

12 – 18 Months Interest-Only (No Prepayment Penalty)

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 Fix & Flip Loans Work in Oregon (OR)

Fix and flip loans finance both the distressed property purchase (up to 85%–90% of purchase price) and 100% of the renovation budget via milestone draw reimbursements, capped at 70%–75% of After-Repair Value (ARV). Interest is charged only on disbursed funds on select wholesale shelves, with zero prepayment penalty upon resale or DSCR refinance.

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 – 10 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 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 Rehab & BRRRR Loans (Up to 85%–90% LTC + 100% Rehab Escrowed)Oregon Cash-Out Refinance (Up to 75% LTV Cash-Out (Select 80% LTV Tiers))