Reference · Oregon
DSCR loans in Oregon. A reference guide.
Quicker Home Loans is not currently originating loans in Oregon. This page is maintained as a reference for investors evaluating the Oregon market — foreclosure process, property tax, landlord-tenant climate, and short-term rental regulation.
Coverage note
We lend in 45 states.
Oregon is not currently one of them. If you're looking for active DSCR financing in your market, see where we lend.
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The Oregon market at a glance.
Oregon is on our roadmap but not currently in our active lending states. We track it because SB 608 (2019) established the nation's first statewide rent cap — 7% plus CPI annually, capped at ~10% — with the cap applying to units 15+ years old and LLC-owned rentals generally not exempt. Non-judicial foreclosure runs 180 to 210 days. Portland has additional local tenant protections. Use this page as a reference while our program availability evolves.
Portland metro carries most Oregon DSCR volume, with rent-growth assumptions meaningfully affected by SB 608 and local tenant protections. Bend is an STR-regulated mountain-town market. Eugene (University of Oregon) is a university-anchored market. Salem and Medford are smaller steadier markets.
Oregon DSCR context
DSCR in Oregon — what matters.
A few Oregon-specific factors shape how DSCR deals get structured here:
- Foreclosure process
- Oregon uses a non-judicial foreclosure process, with typical uncontested timelines running 180–210 days.
- Property tax
- Statewide owner-occupied benchmark is roughly 0.81%. Investment property underwriting should use actual county tax bills and investor assessment rules — not homeowner-facing averages.
- Landlord climate
- Oregon's landlord-tenant framework is strongly tenant-protective.
- Short-term rentals
- Portland has strict registration; Bend, coastal towns, Columbia Gorge cities also restrictive.
If we lent here
Program context for Oregon.
We're not currently originating loans in Oregon, so we can't offer program-specific guidance for active deals. Investors actively searching Oregon should consult a lender licensed and active in the state. Quicker Home Loans lends in 45 other states — see the Locations page linked in the hero for a full list.
Major markets
Oregon investor markets.
Questions
DSCR loans in Oregon — FAQ
Quicker Home Loans is not currently originating loans in Oregon. We lend in 45 other states — see our Locations page for a full list of where we're active.
Disclosure
The content on this page is provided for informational purposes only and does not constitute legal, tax, accounting, or financial advice. While Quicker Home Loans endeavors to keep state-specific information accurate as of the last review date, statutes, regulations, tax rates, and local ordinances are subject to change. You should independently verify any statement on this page with qualified legal counsel, a licensed tax professional, or the appropriate state or local authority before relying on it in connection with a real estate investment or loan decision. Last reviewed: April 18, 2026.