HARD MONEY LOANS · Oregon (OR) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Oregon Hard Money Loans (Fast Asset-Based Acquisition & Bridge) — 2026 Rates, LTV Caps & State Rules

Oregon Hard Money Loans provide business-purpose real estate investors with Up to 85%–90% LTC / 75% ARV across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.50% Interest-Only (6, 12, 18 & 24 Months Interest-Only, 600 – 640+ FICO (Asset-Backed) min FICO, 5 – 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 85%–90% LTC / 75% ARV

Min FICO: 600 – 640+ FICO (Asset-Backed)

2026 Rate Band

9.25% – 11.50% Interest-Only

6, 12, 18 & 24 Months Interest-Only

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