Direct Private Money Lender for Oregon Investment Properties

CGF, Inc. is a fast and flexible private money lending firm for real estate investors in the state of Oregon. As a small local lender, we can offer personal service and always visit the subject property to meet our clients. We never require appraisals for residential properties, and we don’t charge any junk fees – only the interest and the origination fees (points).

We offer high leverage to help investors increase their profits. For rehab fix & flip or fix & rent loans, we typically fund 100% of the purchase and 100% of the rehab costs.

We also like horizontal land development and ground-up construction for residential and small multifamily properties. We’ve done land development deals as high as 90% loan-to-cost.

Please note: We do NOT offer loans for owner-occupied homes. Private lending is only for investment purposes.

Property Geographic Area Details
Oregon only
Loan Amounts
$50,000 to $1,000,000
Interest Rates
7% to 11%
Loan Terms
6 months to 60 months
Origination Fees
0% to 3%
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial

Maximum Leverage

Purchase Short-Term (no Value-Add):
Max LTP Residential: 75%
Max LTP Multifamily: 75%
Max LTP Commercial: 75%
Max LTP Land: 70%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 75%
Max LTV 1st Lien Multifamily: 75%
Max LTV 1st Lien Commercial: 75%
Max LTV 1st Lien Land: 70%
Residential Fix & Flip
Max LTP: 100%
Max LTC: 100%
Max LTARV: 75%
Residential Rehab & Hold
Max LTP: 100%
Max LTC: 100%
Max LTARV: 75%
Multifamily Value-Add
Max LTP: 80%
Max LTC: 100%
Max LTARV: 75%
Commercial Value-Add
Max LTP: 80%
Max LTC: 100%
Max LTARV: 75%
Residential Construction
Max LTP Land: 90%
Max LTC: 100%
Max LTCV: 75%
Multifamily Construction
Max LTP Land: 80%
Max LTC: 100%
Max LTCV: 75%

Property Types

  • 2-4 Units Residential
  • Commercial Land
  • Condominium
  • Industrial
  • Manufactured Home
  • Mixed-Use
  • Mobile Home Park
  • Multifamily
  • Office
  • Residential Land
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge
  • Commercial Property Value Add
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Commercial Ground-Up Construction
  • Residential Ground-Up Construction

Specialty Loan Types

  • Commercial Permanent Financing
  • Land Development
  • Line of Credit Portfolio of Properties
  • Line of Credit Single Property
  • Subdivisions

Description

We only consider land loans which include development. We won't do a refinance or equity cash out on land.

Land Types Considered

  • Residential Land
  • Multifamily Land
  • Industrial Land
  • Office Land
  • Retail Land

Will Consider Land That is NOT Entitled

no

Max LTV for Land

80%

Max LTC for Land Acquisition

80%
We only offer 100% LTP for rehab value-add deals. For a standard purchase bridge loan, we require borrowers to contribute at least 25% cash to the purchase.

Max Loan-to-Purchase Price

100%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Seller Financing

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

1

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

5

Maximum After Repair Value

75.00%

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

1

Max LTC for Ground-Up Construction Costs

100%

Interest Charged for Construction Costs

Only on Funds Drawn

Will Lend on Partially Completed Construction Projects

yes

Minimum Origination Fee Amount

$2,500

Fees which are paid to a third party company

  • Documents Fee
  • Legal Fee
  • Settlement Fee
  • Escrow Fee
  • Title Fee

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

5

Payment Structure
  • Interest Only
Pre Payment Penalty

yes

Minimum 3 month interest guaranty
Will lend to a foreign national

no

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
Documentation Required
  • Loan Application
Personal Guaranty (Recourse) Required
Sometimes
Credit Check Required

yes

Credit Check Description

We don't have a minimum credit score. We run credit reports just to make sure there are no major financial events which were not disclosed.

Appraisal Required for Residential Property

Never

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Sometimes

Get In Touch

CGF, Inc pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.
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CGF, Inc. (Capital Group Funding) provides private mortgage financing secured by real estate. Loan purposes include acquisition, refinance, rehabilitation, and construction of commercial real estate. We have combined experience of 50 years as borrowers, lenders, and investors.

Our simple loan process makes for fast loan funding to assist with maximizing profits. CGF specializes in funding short term loans for builders, investors and developers.

License

NMLS ID 1913112

Company Size (Number of Employees)

2

Year Established

2019

Office Locations

CGF, Inc
PO Box 51172, Eugene, Oregon 97405

CGF, Inc.
355 N. Grand St., Eugene, Oregon 97402

Primary Capital Source
  • Individual Investors
  • Bank Credit Line
  • Friends & Family
Loan Structure for Majority of Loans
  • Multiple Investor Fractionalized Note
Percentage of Loans Secured by Commercial Property

10%

Percentage of Loans Secured by Residential Property

90%

Total Number of Loans Funded to Date

8

Total Loan Volume Funded to Date

$2,850,000

Our Team

Ken Boettcher

President

Oregon Mortgage Loan Originator NMLS ID - 1913394
Certified Public Accountant - 4124

Get In Touch

CGF, Inc pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.
Contact COMPANY

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
SUBSCRIBE
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$50,000

What We Do

  • Investment Properties Throughout Oregon
  • 100% Financing for Residential Rehabs
  • Horizontal Land Development Loans
  • Simple Pricing - NO Junk Fees

Not Available

  • NO Specialty Commercial Properties
  • NO Inexperienced Rehab Investors
  • NO Owner-Occupied Homes

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