© WHERE WE LEND SAN DIEGO HQ · OREGON
HARD MONEY LENDER OREGON
Loan Goat funds investor deals across Oregon, from Portland and Gresham down the valley to Eugene.
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Loan Goat lends across Oregon, and we fund investors in Portland, Salem, Eugene, Gresham and Hillsboro. You are buying a rental, rehabbing a bungalow, or holding a bridge position while a refinance lines up. We are a direct private lender built for that borrower: business purpose, non-owner-occupied, underwritten on the property rather than your tax returns. Bring the deal, get a straight answer.
Oregon runs on a narrow corridor. The Willamette Valley carries the bulk of the state, from Portland north through Salem and down to Eugene, with Hillsboro anchoring the tech employment base west of the river and Gresham holding workforce rental stock on the east side. Craftsman bungalows, old Portland foursquares and post-war ranch fill the inner neighborhoods. Out east, Bend and the Deschutes corridor pull short-term rental money.
We lend in Oregon and we are based in San Diego. That is the whole structure. Our capital is in house, one decision maker signs off, and no loan committee is waiting on a Monday meeting. A Portland investor gets the same underwriter as a Hillsboro investor, by phone and email, usually closing in 5 to 7 days. You do not need a branch on Burnside to get funded.
Portland investors work the inner eastside, Sellwood, Alberta, St. Johns and Montavilla, where narrow lots and detached accessory units carry the math. Eugene turns on the University of Oregon and the student blocks ringing campus. Salem leans on state government payrolls and steady mid-century rental stock. Hillsboro sits inside the Silicon Forest with newer subdivision and condo product. West of the Coast Range, Astoria, Newport and Lincoln City live on visitor traffic.
© OREGON LOCATIONS SAN DIEGO HQ · OREGON
EXPLORE OUR OREGON LENDING LOCATIONS
Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.
- Portland Multnomah County, out to Gresham, Vancouver, Hillsboro.
- Salem Marion County, out to Hillsboro, Portland, Gresham.
- Eugene Lane County, out to Salem, Hillsboro, Portland.
- Gresham Multnomah County, out to Portland, Vancouver, Hillsboro.
- Hillsboro Washington County, out to Portland, Gresham, Vancouver.
© THE COST SAN DIEGO HQ · OREGON
WHAT DO OREGON HARD MONEY LOANS COST
Pricing an Oregon deal works the same way it works anywhere else on this book. Bridge money runs from 9.00% to 13.00% and moves with leverage, property type and exit. Leverage runs to 75% on residential bridge and 70% on commercial, and business purpose loans reach $25,000,000.
The written quote comes first and it holds. For an Oregon borrower on a contract clock, that is the difference between a real number and a maybe.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
© WHY LOAN GOAT SAN DIEGO HQ · OREGON
WHY LOAN GOAT IN OREGON
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Banks in Oregon want tidy returns, a seasoned balance sheet and a property that already looks finished. Investors rarely have all of it at once. Our bridge loans start at 9.00% and reach up to 75% LTV, which means you can take down a Gresham duplex or a tired Eugene fourplex before the listing gets shopped around. Fix and flip and construction sit alongside bridge for heavier work.
Hold it long term instead and our rental property program, DSCR based, qualifies on the lease rather than your personal income. Commercial, blanket loans over a scattered Portland portfolio, second and third mortgages behind existing debt, owner occupied and bank financing round out the nine programs. No prepayment penalties anywhere in that stack, so paying us off early costs you nothing extra.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
OREGON, FUNDED FROM SAN DIEGO.
$1.5B+ funded across 46 states and 1.3K+ loans closed since 2022. Oregon files run on the same written terms, the same in-house capital and the same five to seven day timeline as the home markets.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN OREGON
The full program stack is available on Oregon property: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages, and blanket loans over multiple assets. The plan for the property decides which one applies.
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© THE APPROACH SAN DIEGO HQ · OREGON
HOW WE LEND IN OREGON
Hold it long term instead and our rental property program, DSCR based, qualifies on the lease rather than your personal income. Commercial, blanket loans over a scattered Portland portfolio, second and third mortgages behind existing debt, owner occupied and bank financing round out the nine programs. No prepayment penalties anywhere in that stack, so paying us off early costs you nothing extra.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
OREGON BORROWERS, IN THEIR WORDS
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I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II -
This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II -
This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES
© QUESTIONS SAN DIEGO HQ · OREGON
OREGON HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes, Loan Goat funds business purpose real estate loans throughout Oregon, including Portland, Salem, Eugene, Gresham and Hillsboro. We are a direct private lender headquartered in San Diego, so there is no branch network and no local committee to satisfy. You deal with the people who actually control the capital. Most files close in 5 to 7 days once title and valuation are moving.
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Accessory dwelling units are common collateral in Multnomah County and we finance them. We underwrite the finished property and the exit, so a bungalow in St. Johns with a detached unit out back reads as one income asset. Bridge financing goes up to 75% LTV on that purchase, and if the second unit is still being framed our construction program carries it instead.
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Five to seven days is the normal window, and a clean bridge file can land in as fast as 3 days. Distance does not slow that down. Valuation and title get ordered remotely the day we agree on terms, so a Lane County student rental or a Marion County fourplex moves at the same pace as anything else sitting on our desk.
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Blanket loans let you put several doors under one note, which helps once a Washington County portfolio outgrows one-off financing. Rental property loans handle single assets on a DSCR basis, qualifying on the lease instead of your tax returns. Both are business purpose and non-owner-occupied. If you are pulling equity out to buy the next building, say so early and we will size it that way.
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Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms
© WHERE WE LEND SAN DIEGO HQ · OREGON
OREGON, FUNDED FROM SAN DIEGO.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
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