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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Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
7.20% - 12.10%
0.25% - 2.50%

Rental, Fix & Flip, Construction & Multifamily Bridge Loans Nationwide

$75,000 - $50,000,000
12 to 360 months
1.00% - 2.00%
Center Street Lending

Smarter Loans for Residential Property Investors

$100,000 - $40,000,000
6 to 24 months
9.00% - 12.50%
0.50% - 2.00%
Yieldi LLC

Direct Lender for Investment Properties - Bridge, Rehab, Construction

$500,000 - $5,000,000
6 to 24 months
10.00% - 14.00%
1.00% - 4.00%
HouseMax Funding

Hard Money Loans to Fund Your Next Big Project

$75,000 - $7,000,000
12 to 360 months
7.00% - 12.99%
1.00% - 4.00%

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
Precision Capital

We Are In The Business of "YES"

$25,000 - $5,000,000
12 to 36 months
9.99% - 14.99%
3.00% - 4.00%
Blue-inc. Capital

Oregon's private lending solution for over 30 years

$25,000 - $3,500,000
3 to 48 months
10.00% - 14.00%
3.00% - 5.00%
Cetan Funds, LLC

Build Wealth through Real Estate

$50,000 - $5,000,000
6 to 36 months
10.00% - 12.00%
3.00% - 4.00%
RCN Capital

Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans

$75,000 - $10,000,000
12 to 360 months
8.00% - 13.00%
2.00% - 5.00%
Easy Street Capital

Direct Lender for Residential Flips and Rentals

$75,000 - $2,000,000
6 to 12 months
9.90% - 12.90%
1.50% - 3.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
Park Place Finance

Nationwide Direct Private Lender for Residential Real Estate Investors

$100,000 - $2,500,000
12 to 23 months
9.99% - 12.99%
1.50% - 3.00%
Arch Loans

Low and High Leverage Options, up to 90% of purchase price for fix & flip

$100,000 - $10,000,000
1 to 12 months
8.00% - 15.00%
1.00% - 3.00%

Oregon Hard Money Interest Rates

lightning docs logo

According to the hard money loan documents software company, Lightning Docs, the average interest rate for Oregon hard money loans in the 4th quarter of 2023 was 11.42%. The average loan amount was $570,020. These stats are the average of 36 short-term loans (including bridge, rehab, and ground-up construction) funded for properties in Oregon between October 1, 2023 and December 31, 2023 by multiple hard money lenders that use Lightning Docs as their preferred software provider to prepare loan documents.


analytics logics logo

According to private lending data provider, Analytics Logics, the average interest rate for Oregon hard money loans in the 4th quarter of 2023 was 11.59%. Lenders charged an average of 3.0% points (origination fee). The average LTV (loan-to-value) for private money loans in Oregon was 59%, and the average loan amount was $286,450. These stats are the average of all the loans which were funded between October 1, 2023 and December 31, 2023 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.


Top 10 Oregon Hard Money Lenders

forecasa logo

According to Forecasa™, here are the Top 10 Hard Money Lenders ranked by the number of loans originated in Oregon in the last 12 months from March 2024.

  1. Craft3 Future Fund
  2. Rain City Capital LLC
  3. Corevest American Finance LLC
  4. Lima One Capital LLC
  5. Td Two LLC
  6. Legacy Lending LLC
  7. Bellevue Funding LLC
  8. Level Capital LLC
  9. Merchants Mortgage and Trust Corporation
  10. Iron Bridge Mortgage Fund LLC

Forecasa™ provides analytics data for Oregon hard money lending on a quarterly basis. You’ll find their top lenders data for many other states on our platform.


Oregon Hard Money Lending Insights from a Local Lender

The state of Oregon, like many states in the country, has seen some challenges in the recent real estate market all across the state, especially when it comes to supply and demand. Loan Originator and Owner of Blue-inc. Capital, Matt Powell states that because there hasn’t been enough good quality inventory it has increased the need for hard money lending. “Often when a buyer or an investor wants to move quick, wants to have that competitive advantage and not have an offer contingent on an appraisal and be able to close in a few business days, or the property just will not finance conventionally, it’s going to take private lending to acquire the property, fix the problem and then refinance,” Matt says.

According to Matt, the private money lending landscape in Oregon is, for the most part, a collaborative environment. There isn’t a lot of competition between each lending company. Many lenders in Oregon tend to do most of their business in their own specific location and have their own specialties they can provide the buyer. “I would say we all have our niche and maybe our specific area or location, for example, Blue-inc. Capital, we’re a direct lender, we’re not a fund, which gives us a lot of ability to close loans fast. So sometimes there’s referrals from some of our competitors in the market that know we might be able to handle something that they can’t and vice versa,” Matt explains.


blue-inc capital logo

Blue-inc. Capital is a hard money lender based in Eugene, OR. They finance almost any type of real property in the state of Oregon, for a wide range of deals – purchase, refinance & cash out, rehab, ground-up construction, bare acreage, distressed properties, multi-family housing, commercial, industrial properties and much more. They excel when things have to move fast. If there’s an opportunity that needs to close quickly, they can get it done in 3-7 business days. View their profile to learn more and to find their contact information.


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