Oregon Hard Money · Fix & Flip · BRRRR · Rental & Bridge Loans
Fund your next Oregon flip or BRRRR with up to 95% LTC plus 100% of rehab — from metro Portland and Salem to Eugene, Bend and the coast.
Direct lender since 1998 · NMLS #1826020 · LLC & foreign nationals OK · Oregon investment-property specialists
| Purchase leverage | Up to 95% LTC |
| Rehab funding | 100% of rehab costs, reimbursed by draw as work is completed |
| Max ARV | Up to ~70-75% of after-repair value (ARV) |
| Credit | FICO from 620 |
| Property types | 1-4 family, 5+ multifamily, mixed-use, vacation / short-term rentals, and commercial |
| Term | 6-24 months interest-only · extension options |
| Rate & points | Interest-only, starting interest from 8.90% (subject to change, deal-dependent) · 1-3 points |
| Income docs | None — asset-based; business-purpose only |
| Borrower | No maximum number of properties · first-time investors, foreign nationals & LLCs welcome |
| Exit | Sale, or easy refinance into a 30- or 40-year amortized DSCR loan — no additional income docs, tax returns, or W2s required |
| Area | Statewide across all 36 Oregon counties |
An Oregon fix and flip loan funds the purchase and renovation of an investment property on the asset, not your income. Portland’s tech and in-migration, tight West-Coast supply, and ADU-friendly rules create strong value-add upside, while Salem and Eugene offer more accessible cash-flow plays.
This is our statewide Oregon hub. For city-level programs, neighborhood comps, and local deal examples, visit the Oregon city pages linked below.
Our Oregon fix and flip program funds the full spectrum of business-purpose real estate — not just single-family:
Single-family, townhomes, condos, and 2-4 unit — the core of most Oregon flips.
Value-add apartment buildings repositioned for sale or a DSCR refinance.
Retail or office over residential and live-work buildings.
Renovate-to-STR in Oregon tourist markets, then keep or sell.
Select commercial and small mixed-asset deals, case-by-case.
Warrantable and many non-warrantable attached product.
Estimate your loan, cash to start, holding cost, and net profit. We fund up to 95% of purchase and 100% of rehab, capped at roughly 70-75% of ARV. Illustrative only — final terms use an appraisal and underwriting.
Illustrative only; not a commitment to lend. Rates, points, and leverage are deal-dependent and subject to change. ARV confirmed by appraisal.
Planning to Buy, Rehab, Rent, Refinance, Repeat? When the rehab is done and the property is rented, refinance with an easy 30- or 40-year amortized DSCR loan — no additional income docs, tax returns, or W2s required (we qualify the property’s rent, not you). A 40-year amortization lowers the payment and boosts cash flow and DSCR.
Illustrative only. DSCR = net operating income ÷ annual debt service. Final terms use an appraisal and underwriting.
Oregon BRRRR pencils best in Salem, Eugene and Medford where bases are accessible. Fund the buy and 100% of rehab (an ADU can add value and rent), then refinance into a 30- or 40-year DSCR loan.
The exit is the easy part. Once your Oregon property is renovated and rented, refinance out of the short-term flip loan into an easy 30- or 40-year amortized DSCR loan — with no additional income docs, no tax returns, and no W2s required. We qualify on the property’s rental income, not your personal income, so a strong-cash-flowing rental refinances cleanly even if you’re self-employed or already carry multiple mortgages.
Every Oregon metro has pockets where flips and rentals pencil. These are the corridors Oregon investors target most for value-add and reposition-to-rent (always confirm current comps):
the outer east side, Lents and Cully for value-add and ADU-add.
the capital’s accessible workforce-housing market.
University-anchored student and workforce rentals.
fast-growing high-desert resort market.
Southern-Oregon affordability.
Portland-metro reposition.
Oregon’s outdoor and coastal markets reward renovate-to-short-term-rental plays (verify local STR rules):
Beyond the established metros, these Oregon markets are drawing investor attention for affordability, growth, and room to force value:
Value-add and ADU frontier.
Accessible capital-city growth.
High-desert resort expansion.
Southern-Oregon affordability.
Eugene-adjacent value.
Metro-spillover reposition.
Representative 2026 indicators for underwriting context — confirm current figures per deal:
| Feature | CambridgeHomeLoan | Typical Oregon flip lenders |
|---|---|---|
| Purchase leverage | Up to 95% LTC | 80-90% |
| Rehab funding | 100% of rehab | Often 90-100%, capped |
| Rates from | 8.90% (STC), 1-3 points | ~10-12%+, 2-4 points |
| Min FICO | From 620 | Often 660-680+ |
| Property types | 1-4, 5+ MF, mixed-use, STR, commercial | Often 1-4 only |
| Exit support | In-house 30/40-yr DSCR refi | Flip-only |
| Funding speed | As fast as 5-10 days | 2-3+ weeks |
“Typical” reflects terms commonly advertised across the fix and flip market as of 2026, subject to change — general ranges, not the terms of any single lender.
Up to 95% LTC + 100% of rehab, rates from 8.90%, 6-24 month terms, and an easy 30/40-year DSCR exit with no income docs, tax returns, or W2s. First-time investors and foreign nationals welcome — no maximum number of properties.
Apply Now — Get Your Term Sheet → Call (800) 826-5077| Down / equity | As little as 5% of purchase at up to 95% LTC |
| Rehab | 100% financed, reimbursed by inspected draws |
| Credit | FICO from 620 |
| Experience | First-time and experienced investors welcome |
| Income docs | None — asset-based, business-purpose only |
| Borrower | No maximum number of properties · LLC, first-time investors & foreign nationals OK |
| Exit | Sale, or easy 30- or 40-year DSCR refinance — no income docs, tax returns, or W2s |
A fix and flip loan is one tool — pair it with the right acquisition or exit program:
Fast asset-based capital for any Oregon investment purchase.
Bridge the gap between buying and your sale or refinance.
The full buy-rehab-rent-refinance-repeat program.
30- or 40-year rental refinance to complete your BRRRR exit.
5+ unit value-add and reposition financing.
Ground-up investor construction across Oregon.
Explore city-level programs, neighborhoods, and local deal examples:
As little as 5% of the purchase price. We fund up to 95% of purchase and 100% of rehab, as long as the total stays within roughly 70-75% of the after-repair value (ARV).
Yes. Rehab is funded in full and reimbursed through inspected draws as the work is completed.
FICO from 620. Stronger credit and flip experience can improve your rate, leverage, and points.
Yes — we fund Oregon value-add and ADU-add projects on the asset and exit, then help you refinance to a 30- or 40-year DSCR loan.
Metro Portland, Salem, Eugene, Bend, Medford and every county statewide.
Yes. When the rehab is done and the property is rented, do an easy refinance into a 30- or 40-year amortized DSCR loan with no additional income docs, tax returns, or W2s required, then repeat. The loan qualifies on the property’s rent, not your personal income.
With a clean title and an appraisal ordered, many Oregon fix and flip loans close in as few as 5-10 days.
Whether it’s your first flip or your fiftieth, get a fast, no-obligation quote. Fill out the 60-second form for a same-day term sheet — up to 95% LTC plus 100% of rehab, rates from 8.90%, 6-24 month terms, and an easy 30/40-year DSCR exit with no income docs. No maximum number of properties, so scale as fast as your deals close.
CambridgeHomeLoan.com — direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK. Business-purpose investment loans only. Rates, points, leverage, and terms are deal-dependent and subject to change.
Fix and flip loans are business-purpose, asset-based loans for real estate investment and are not offered for owner-occupied residences. Leverage (up to 95% of purchase and 100% of rehab) is subject to a maximum loan-to-ARV, appraisal, credit (FICO from 620), and underwriting. Calculators are illustrative only and not a commitment to lend.
Low Income Home Loan Options Give You Hope Thanks to the many low income home loans available in the market today, you can be a
Home With Rising Interest Rates, Investors Turn To the Bridge Loan in Colorado The real estate market in Colorado has been a hotbed of activity
Why This is the Best Time to Purchase Property for Passive Income In today’s unpredictable economic landscape, establishing a reliable passive income stream has never
Why Should I Refinance My Mortgage? There are many reasons you might want to consider refinancing your home. However, when we look at these types
Introduction:St. Augustine’s rich history, scenic beauty, and vibrant real estate market offer a wealth of opportunities for investors in search of rapid financing solutions. Hard
Introduction:Orlando’s burgeoning real estate market presents a plethora of opportunities for investors seeking expedited financing solutions. Hard money loans, known for their asset-based nature and