Long-term rental financing for investment properties across Oregon — qualified off the property's income, not your personal DTI. 30-year fixed from 5.75%, up to 80% LTV, and only 3 months of seasoning on cash-out refinances. SLA Capital has closed deals across every major Oregon metro.
SLA Capital — a Sir Lends A Lot LLC Company
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. Self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
Oregon is anchored by Portland's Silicon Forest (Intel, Nike) plus growing Central Oregon (Bend). Universities and state-capital demand round out the state. STR corridors add flexibility for mixed strategies.
Washington County (Beaverton, Hillsboro) hosts Intel's largest US site plus Nike's global HQ. Deep tech + design employment drives rental demand across the metro.
Bend has been one of the fastest-growing metros in the Pacific Northwest. Active STR corridors on the east side of the Cascades add flexibility. Our DSCR program supports STR income where zoning permits.
Eugene (Oregon), Corvallis (OSU), and Salem (state capital) round out stable, predictable rental demand outside the Portland metro.
Whether you're closing a single-asset SFR in a smaller Oregon market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Multnomah + Washington + Clackamas counties
Lane County — University of Oregon market
Marion County — state capital
Deschutes County — Central Oregon growth + STR corridor
Southern Oregon secondary markets
Benton County — Oregon State University
Silicon Forest — Intel + Nike anchors
Statewide coverage — send us any Oregon property
Same nationwide program, no state-specific surcharges.
Priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at close.
Purchase and rate-and-term refis up to 80% LTV. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM.
Single-asset from $55K to $3M. Portfolio structures for 2–10 Oregon properties on one note.
Up-front pricing. One origination point, standard closing costs, no junk fees.
Property rent must cover PITIA. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Yes. SLA Capital funds DSCR rental loans throughout Oregon — Portland Metro, Eugene, Salem, Bend, Medford & Ashland, and every other OR metro. Rates from 5.75%, up to 80% LTV.
Oregon DSCR loans start at 5.75% on a 30-year fixed structure. Priced off the 5-year Treasury with transparent up-front pricing — the rate you're quoted is the rate you close at.
Every Oregon metro. High-volume markets: Portland Metro, Eugene, Salem, Bend, Medford & Ashland. Secondary markets welcome.
Oregon is anchored by Portland's Silicon Forest (Intel, Nike) plus growing Central Oregon (Bend). Universities and state-capital demand round out the state. STR corridors add flexibility for mixed strategies.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Oregon DSCR loans, and no active lease is required at closing.
Send us the property. Our sizer returns a real term sheet in minutes.
Short-term purchase + rehab financing across every Oregon metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Oregon builders. 85% land + 85% build. $100K–$7.5M.