FIX & FLIP LOANS · Oregon (OR) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Oregon Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Oregon Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 Business Days close). In Oregon (OR), lenders underwrite to a Non-Judicial (Oregon Trust Deed Act) statutory framework (130–160 days-day average timeline), a 0.91% average property tax rate (~$375/mo at the $495,000 state median), and $440/$100K hazard insurance (~$182/mo).

Max Leverage / LTC

Up to 90% Purchase + 100% Rehab (75% ARV Cap)

Min FICO: 620 – 660+ FICO

2026 Rate Band

9.25% – 11.25% Interest-Only

12 – 18 Months Interest-Only (No Prepayment Penalty)

OR Security Instrument

Non-Judicial (Oregon Trust Deed Act)

130–160 days days avg timeline

OR Avg Tax & Ins

0.91% Tax

$440/$100K Hazard Ins