Oregon Hard Money Lenders for Real Estate Investors
Need a hard money loan secured by real estate in Oregon? This page has a list of direct hard money lenders that offer quick funding for an Oregon property purchase, refinance, fix & flip, rehab & rent, ground-up construction, and equity cash out in 1st lien position. Hard Money lending is only for investment properties, not for homesteads. The loans are mainly based on equity in the subject property. For most lenders, the maximum LTV is typically 70% for a purchase and 65% for an equity cash out loan. Scroll to see the list of lenders.
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Oregon Hard Money Stats
According to private lending data provider, Analytics Logics, the average interest rate for hard money loans in Oregon is 10.82%. The average loan-to-value (LTV) for hard money loans in Oregon is 68%, and the average loan amount is $319,416. These stats are the average of all the loans which were funded between April 1, 2023 and September 15, 2023 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Funded Hard Money Loans in Oregon

Blue-inc Capital, a private lender based in Oregon, funded a $160,000 1st lien position hard money loan for a single-family home in Coos Bay, Oregon, a small rural coastal town Southwest of Eugene. We funded 100% of the $160,000 purchase price. Instead of a cash down payment, the Borrower used a free-and-clear investment property as collateral to get the 100% financing. The Borrower was retired and had average credit. They plan to renovate the property with an approximate budget of $30,000 which they will fund themselves. They plan to sell upon completion of the light rehab. The property was in rough condition and vacant at closing. The interest rate was 11.75%. The loan term was set at 12 months. This hard money loan was funded in August 2023.

Hard Money Purchase Loan for Commercial Warehouse in North Bend, Oregon
$220,000
Blue-inc Capital, a private lender based in Oregon, funded a $220,000 purchase bridge loan in 1st lien position for the acquisition of a commercial warehouse in rural North Bend, OR. The Borrowers were looking to close quickly like cash on a competitive purchase. We were able to use the equity in another piece of property they owned free and outright to fund this purchase at almost 100% financing. We funded 97% of the $226,000 purchase price, while the Borrower contributed 3% cash. We put a lien on both properties which put our loan-to-value at around 53%. The subject property was in good condition and vacant at closing. The building was approximately $5,000 square feet. The Borrower had good credit. They plan to continue leasing the property and pay off the loan over the 24-month term. This CRE hard money loan was funded in February 2023.

Hard Money Equity Cash Out Loan for Vacant SFR in Rural Lane County, Oregon
$200,000
Blue-inc Capital, a private lender based in Oregon, funded a $200,000 equity cash-out loan in 1st lien position secured by a single-family rental in Eugene, OR. The Borrower owned the property free and clear, and needed funds fast for some light rehab “fix up” including other miscellaneous items. The property value was estimated to be $500,000 and the renovation budget was $75,000. The after-repair value was $600,000 so our loan-to-after-repair value was 33.33%. We were able to originate, underwrite, and fund the loan within a few business days. The approximately 1,200-square-foot subject property was vacant and located in a rural area. The loan term was set at 12 months. This hard money refinance loan was funded in February 2023.

Blue-inc Capital, a direct lender based in Oregon, funded an $80,000 hard money loan for the renovation of a single-family residence in Coquille, a small rural town in Southern Oregon, near the coast. The Borrower had already owned the property, so we didn’t fund the purchase. The renovation budget was $80,000. Blue-inc Capital was able to wrap all of the construction and closing costs into the loan for 100% financing of this project. The estimated ARV was $260,000 so the loan-to-after-repair value that Blue-inc Capital funded was 31%, in 1st lien position. The approximately 1,000-square-foot subject property was in poor condition and vacant at closing. The Borrower plans to sell the home upon completion of the heavy rehab. The loan term was set at 12 months. This hard money loan was funded in October 2022.
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