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DSCR Rental Loans · Oregon

DSCR rental loans in Oregon — qualify on the rent.

Mortava DSCR loans in Oregon: 620+ FICO, up to 85% LTV, min DSCR 0.50, 30/40-yr fixed — statewide.

Oregon is appreciation-driven Portland plus exceptional Bend short-term-rental demand. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in Portland, Eugene, Salem and beyond on the deal's cash flow.

No tax returns, W-2s, or DTI — qualify on the rent
Up to 85% LTV · 30 & 40-yr fixed & interest-only
Close in an LLC · soft inquiry only
Get a live Oregon term sheet
Soft inquiry only — won't affect your credit.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why investors finance Oregon rentals with Mortava

DSCR loans let Oregon investors scale without the income docs a bank requires. Because qualification is based on the property's rent rather than your personal income, there are no tax returns, no W-2s, and no DTI calculation — ideal for self-employed buyers, full-time investors, and anyone growing a portfolio across Portland, Eugene, Salem, Bend.

Portland carries the appreciation thesis while Bend runs one of the West’s strongest short-term-rental markets. Oregon investors typically pick a lane by submarket, not by state.

Top metros we lend in
Portland, Eugene, Salem, Bend
Max leverage
Up to 85% LTV purchase · 80% cash-out CLTV
Terms
30 & 40-year fixed and interest-only
Minimum FICO
620 (better leverage at 660+ / 740+)

Short-term rentals & Airbnb in Oregon

Portland-area short-term rentals can qualify for DSCR financing on projected rental income — no years of Airbnb history required. If the STR play is your angle in Oregon, see our STR / Airbnb DSCR program for how projected income is underwritten.

Guidelines reviewed July 2026 by the Mortava lending team.

Oregon DSCR loan FAQ

Can I get a DSCR loan in Oregon?
Yes. Mortava lends on investment properties across Oregon, including Portland, Eugene, Salem, Bend. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in Oregon without W-2s or DTI.
What credit score do I need for a Oregon DSCR loan?
Most Oregon DSCR programs start at a 620 FICO. Stronger credit unlocks higher leverage (up to 85% LTV) and better pricing, since loans are priced by FICO band.
Can I close a Oregon DSCR loan in an LLC?
Yes. These are business-purpose loans, so you can vest title in an LLC or corporation — common for asset protection and portfolio growth in Oregon.
Can I use a DSCR loan for an Airbnb or short-term rental in Oregon?
Yes. Mortava's STR DSCR program qualifies Oregon short-term rentals on projected rental income — no long Airbnb history required. Local STR rules vary by city and county in markets like Portland, so confirm licensing before you buy.
Do you lend on rentals in Portland and Eugene?
Yes — Mortava lends across Portland, Eugene, Salem, Bend and every other Oregon market. DSCR loans are sized on each property's rent, so a Portland duplex and a small-town single-family are underwritten the same way.
DSCR rental loans by state
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All DSCR programs → Fix & Flip loans in Oregon → Instant quote & pre-qualify →
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