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Fix & Flip · Oregon

Fix & flip loans in Oregon — fund the deal, keep your cash.

Mortava fix & flip loans in Oregon: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Oregon is appreciation-driven Portland plus exceptional Bend short-term-rental demand. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Portland, Eugene, Salem and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Oregon project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Oregon projects with Mortava

In a market like Oregon, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Portland, Eugene, Salem, Bend deals and recycle capital into the next project faster.

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 fund
Portland, Eugene, Salem, Bend
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

Flip-to-STR in Oregon

Not every Oregon flip has to sell. In short-term-rental markets like Portland, some investors renovate and then refinance into an STR / Airbnb DSCR loan on projected rental income — keeping the asset instead of paying to exit.

Guidelines reviewed July 2026 by the Mortava lending team.

Oregon fix & flip loan FAQ

Can I get a fix and flip loan in Oregon?
Yes. Mortava funds fix & flip projects across Oregon, including Portland, Eugene, Salem, Bend. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Oregon flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Oregon.
Do you fund first-time flippers in Oregon?
Yes — first-time flippers are welcome in Oregon with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Can I flip into a short-term rental in Oregon?
Yes — a common Oregon exit is to renovate, then refinance into an STR DSCR loan on projected rental income instead of selling. Mortava finances both legs, which matters in short-term-rental markets like Portland.
Do you fund flips in Portland and Eugene?
Yes — Portland, Eugene, Salem, Bend and every other Oregon market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Fix & flip loans by state
Flip in New MexicoFlip in New YorkFlip in North CarolinaFlip in North DakotaFlip in OhioFlip in OklahomaFlip in PennsylvaniaFlip in Rhode IslandFlip in South CarolinaFlip in South DakotaFlip in TennesseeFlip in Texas
All Fix & Flip programs → DSCR loans in Oregon → Instant quote & pre-qualify →
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