Investment property financing built for Oregon
Oregon is a supply-constrained market where well-located assets hold their value, and New City Financial helps investors move on them quickly. We provide business-purpose financing on rental, multifamily, and commercial property across the state — from the Portland metro (Multnomah, Washington, and Clackamas counties) and the Silicon Forest around Hillsboro to Salem, Eugene, Medford, and fast-growing Bend.
Because we underwrite the property’s cash flow rather than your tax returns, our programs fit how Oregon investors operate: self-employed and portfolio buyers, LLC-titled property, and out-of-state owners navigating the state’s urban growth boundaries and tight supply. Whether you’re acquiring a garden-apartment community in the Portland suburbs, a grocery-anchored center in Washington County, or industrial space in the Columbia Corridor, you get one lender, consistent terms, and a fast path to close.
Loan programs for Oregon investors
Every New City Financial program is available on qualifying Oregon investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in Oregon
We lend on business-purpose investment and commercial real estate across Oregon — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why Oregon investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in Oregon? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
Oregon commercial loan FAQs
Does New City Financial lend on investment property in Oregon?
Yes. We finance business-purpose investment and commercial real estate throughout Oregon — from the Portland metro and the Silicon Forest around Hillsboro to Salem, Eugene, Medford, and fast-growing Bend. Loans run from $75K to $50MM at up to 75% LTV.
Can I get an Oregon commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required. That fits Oregon’s many self-employed, LLC-titled, and out-of-state investors.
What credit score do I need for a DSCR loan in Oregon?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a standard loan-to-value of up to 75%, a strong Oregon asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in Oregon?
Most Oregon files close in under three weeks. Investor-focused underwriting and minimal documentation keep the process fast — an edge in a supply-constrained market where well-located assets don’t stay available long.
What loan-to-value can I get on Oregon investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Do you finance investment property outside Portland?
Yes. We lend statewide — beyond the Portland metro and Washington County’s Silicon Forest, that includes Salem, Eugene, Medford, and Bend. Business-purpose and owner-occupied commercial property is eligible; primary residences are not.
Financing your Oregon deal with New City Financial
New City Financial provides business-purpose financing on Oregon investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.