Rain-soaked forests, rugged coastlines, and a culture shaped by technology, sustainability, and outdoor living give Oregon a character that’s hard to replicate. From Portland’s dense urban rental base to the steady demand in cities like Eugene, Bend, and Salem, the state offers a mix of lifestyle appeal and structurally strong rental markets.
What we see across Oregon is investor interest driven by population inflows, a large renter share, and employment anchored in tech, healthcare, education, and advanced manufacturing. Long-term rentals remain the dominant strategy in most markets, while select areas also support short-term demand tied to tourism and outdoor recreation.
With HomeAbroad’s DSCR loans, international real estate investors can finance Oregon rental properties based on the property’s income rather than personal income, US credit history, or residency status. That makes it possible to participate in Oregon’s rental markets using a property-first financing approach aligned with how these markets actually perform.
DSCR Loan Oregon Snapshot
No US Credit History
US Income and Credit History Not Required
Minimum Down Payment
25%
Maximum Loan Amount
$10M
Fast Track Closing
27 Days
DSCR Loan Oregon Program Terms
Feature
HomeAbroad DSCR Loan
DSCR Ratio
Best terms typically apply at DSCR ≥ 1.0. If DSCR is below 1.0, the loan may still be eligible with a higher down payment. Our No-Ratio DSCR option (DSCR 0 to 1) can support foreign national investors buying properties with clear income upside, even when the property’s rent does not fully cover the monthly payment.
US Credit Score
Not required for foreign nationals
Loan Amount
$100K – $10M
Down Payment
25%
LTV
Up to 75% (Purchase) Up to 75% (Rate and Term Refi) Up to 70% (Cash-Out Refi)
Cash Reserves
6 months
Table of Contents
How DSCR is Calculated?
DSCR underwriting starts with a simple formula:
What counts as “Gross Rental Income” for DSCR Underwriting
Market rent supported by the appraisal rent schedule (commonly used for 1 to 4-unit rentals)
Executed lease rent, when acceptable to the lender and consistent with market support
What is included in PITIA
Principal
Interest
Taxes (Oregon property taxes and applicable assessments)
Insurance (including wildfire-related costs where relevant)
Director of Mortgage Sales, HomeAbroad | NMLS# 1231769
“For international investors, this type of DSCR is meaningful because it proves the property can stand on its own. It shows the rent isn’t just clearing the payment, it’s leaving room for normal operating changes like taxes, insurance renewals, or brief vacancies without stressing the cash flow.”
A DSCR of 1.25 means the property’s rent comfortably exceeds its monthly ownership costs, producing $370 in positive monthly cash flow and making it well-suited for DSCR financing. You can verify your own scenario using our DSCR Ratio Calculator.
However, not all properties will meet this threshold, so we also offer our No-Ratio DSCR Program for properties with a DSCR between 0 and 1. This option allows investors to still qualify for financing, but it comes with a slightly larger down payment (a 5% hit to LTV) and higher interest rates. This program focuses less on rental income and more on other factors, giving investors with strong long-term plans the opportunity to secure financing.
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Valid Passport
Current passport from your home country
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Proof of Funds
Bank statements showing down payment + 6 months reserves
Benefits of DSCR Loans in Oregon
DSCR loans offer several advantages for foreign nationals investing in Oregon:
Qualification Based on Rental Income, Not Personal Income Documentation
At HomeAbroad, we do not rely on US W2s, US paystubs, or US tax returns to qualify a foreign national DSCR loan. We qualify you primarily on the property’s rental income profile and the strength of your overall file.
Faster Closing Times
DSCR loans can move quickly when the property, rent support, and documentation are straightforward. Appraisal and rent schedule timing still matters, especially in competitive Oregon markets. At HomeAbroad, we can close your deal in as less as 27 days.
Scale Your Portfolio Faster
International real estate investors like DSCR lending because it creates a repeatable qualification approach across multiple properties. When you understand how rent, PITIA, and reserves will be evaluated, it becomes easier to screen deals before you write offers.
Foreign National Friendly
DSCR loan is one of the best mortgage options for foreign nationals, who often face friction with conventional underwriting. DSCR lending is commonly used to reduce that friction because the property performance drives the qualification logic.
How HomeAbroad Helped a L1 Visa Holder Get a DSCR Loan in Oregon
Daniel Weber, a German national living in the US on an L-1 visa, wanted to purchase a rental property in Portland, Oregon as part of his long-term investment plan. While the property itself showed solid rental performance, Daniel ran into limitations with conventional lenders that focused heavily on US credit history and long-term income documentation.
The Solution: HomeAbroad DSCR Loan
At HomeAbroad, we guided Daniel through a Debt Service Coverage Ratio (DSCR) loan structured entirely around the property’s rental cash flow. This allowed approval based on income projections without requiring personal tax returns or US credit history.
Director of Mortgage Sales, HomeAbroad | NMLS# 1231769
“This deal moved from application to close in 27 days because the property’s income profile was clear from the start. When rent, expenses, and structure line up early, DSCR underwriting becomes efficient.”
Daniel’s purchase highlights how DSCR financing can work effectively for visa holders who want to invest in US rental property without waiting years to build a traditional credit profile.
Oregon Rental Market Overview
Oregon continues to offer a balanced rental environment by US standards, where property prices and rental income tend to align more naturally than in higher-cost coastal states. This balance gives investors more flexibility to structure DSCR-backed deals around sustainable rent rather than tight margins.
As per our data, the key market statistics for 2025 are:
Median gross rent in Oregon: approximately $1,800/month
Median value of housing units: around $487,843
Median selected monthly owner costs with a mortgage: $2,080
Owner-occupied housing unit rate: 62%
Where We Lend DSCR Loans in Oregon
HomeAbroad offers DSCR loans across Oregon, providing personalized support to International real estate investors in top-performing cities such as Portland, Eugene, and Salem. Whether you’re investing in urban rentals or high-demand suburban markets, our DSCR loan solutions are designed to help you qualify based on rental income, not personal income.
Here are a few cities in Oregon where we offer DSCR Loans.
Lincoln City
Seaside
Rockaway Beach
Pacific City
Sunriver
Salem
Bend
Eugene
Corvallis
Springfield
Portland
Albany
Klamath Falls
Estacada
Beaverton
Top Places to Invest in Oregon with a DSCR Loan
Oregon is steadily emerging as a prime destination for real estate investment, and it’s easy to see why. With its diverse landscapes, strong job market, and high quality of life, the state continues to attract residents and visitors year-round. Whether you’re eyeing long-term rentals or short-term vacation properties, Oregon offers promising opportunities for investors.
For global investors looking to invest in the US, Oregon’s rental market presents a favorable environment for DSCR (Debt Service Coverage Ratio) loans. These loans enable investors to qualify based on the property’s income-generating potential, rather than their personal income, a significant advantage for foreign nationals.
Here are some of the top-performing cities in Oregon to consider for your DSCR loan investment:
The investment properties shown below are pulled from the HomeAbroad property-search platform and can change daily. Review each listing’s rent assumptions, cash flow, and DSCR inputs before you underwrite an offer.
City
Rental Type
Rental Yield
Lincoln City
Short-Term
13%
Seaside
Short-Term
12.2%
Rockaway Beach
Short-Term
10.5%
Albany
Long-Term
4.8%
Klamath Falls
Long-Term
4.9%
Lincoln City: Coastal STR Demand with Year-Round Coverage
Lincoln City benefits from steady tourist traffic driven by its coastline, casino, and proximity to Portland, supporting short-term rental demand beyond peak seasons.
Median Home Price: $481,698
Average Rent: $2,056/month
What this means for investors: Higher entry prices are offset by consistent STR bookings in permitted zones, especially for coastal and well-located properties, which helps support more stable DSCR outcomes year-round.
Investment Properties Listed Today on Sale in Lincoln City
Seaside is one of Oregon’s most proven coastal vacation markets, supported by consistent tourist traffic, a walkable beachfront, and family-oriented attractions that drive repeat stays.
Median Home Price:$458,940
Average Rent:$1,670/month
What this means for investors: In well-located areas, especially west of the highway with beach access, investors are seeing strong STR revenue that can support DSCR despite less favorable long-term rent-to-price ratios.
Investment Properties Listed Today on Sale in Seaside
Rockaway Beach: Lower-Profile Coastal STR with Upside
Rockaway Beach offers a quieter alternative to Seaside with growing visitor demand and comparatively lighter STR restrictions, making it appealing for investors entering the Oregon coast market earlier.
Median Home Price: $455,502
Average Rent: $2,200
What this means for investors: Homes within walking distance to the beach or near Lake Lytle tend to perform well on short-term platforms, especially in peak seasons, while fewer regulatory hurdles help preserve DSCR flexibility.
Investment Properties Listed Today on Sale in Rockaway Beach
Albany: Stable I-5 Corridor Market for Long-Term Rentals
Albany sits between Salem and Eugene and benefits from steady demand tied to healthcare, manufacturing, and local education. Home prices remain more accessible than major Oregon metros, supporting long-term rental strategies.
Median Home Price: $428,697
Average Rent: $1,721/month
What this means for investors: Albany favors consistency over spikes. Low vacancy, stable leases, and manageable entry prices make it a good fit for DSCR loans built around predictable cash flow, particularly for single-family and small multifamily properties near employment and campus hubs.
Investment Properties Listed Today on Sale in Albany
Klamath Falls: High-Yield Entry Point in Southern Oregon
Klamath Falls stands out for its lower acquisition costs and steady long-term rental demand driven by healthcare, education, and regional employers.
Median Home Price: $298,481
Average Rent: $1,241
What this means for investors: Lower entry prices paired with solid rents create stronger yield and DSCR headroom. Klamath Falls works well for buy-and-hold or BRRRR strategies, especially for small multifamily properties near downtown or medical and campus areas.
Investment Properties Listed Today on Sale in Klamath Falls
Oregon Specific DSCR Underwriting Factors that Investors Overlook
Rent control and rent increase limits
Oregon was the first US state to enact statewide rent control in 2019. Annual rent increases are capped (typically CPI + 7%, with exceptions), and eviction rules favor tenants. For foreign national investors seeking long-term rental income, professional property management is highly recommended, and accurate financial modeling is essential to account for capped rent growth and tenant protections
Director of Mortgage Sales, HomeAbroad | NMLS# 1231769
“One thing to be careful about in Oregon is legal use. Rent control, STR rules, and local licensing all matter. When investors validate those early, the loan process stays smooth and the cash flow story stays intact.”
Insurance variability by location
Wildfire exposure inland and wind or flood risk along the coast create wide insurance spreads. One thing that surprises investors is how insurance quotes shift DSCR more than expected, particularly for higher-value or newer homes.
Urban Growth Boundaries and Land Use Regulation
Oregon’s strict land use laws limit urban sprawl through Urban Growth Boundaries (UGBs), particularly around cities such as Portland and Eugene. These boundaries constrain supply, often driving up property values within UGBs over time. For real estate investors, this means location is paramount; properties inside UGBs typically appreciate more but can carry higher entry costs due to development limits.
Strategic & Future Considerations for Foreign Nationals Investing in Oregon
Oregon’s mix of progressive policies, natural beauty, and diversified economy appeals to international buyers with long-term outlooks. With rising tech sector growth and climate-conscious urban planning, Oregon offers unique advantages if approached with local insight.
Here’s what global investors must consider when evaluating future-oriented opportunities across the state.
1. No Restrictions on Foreign Ownership
Oregon has no ownership restrictions for foreign nationals, but short-term rentals are tightly regulated, especially in Portland. Many municipalities enforce permit quotas, primary residence requirements, or outright bans. This limits vacation rental returns, steering most foreign buyers toward mid- to long-term leasing strategies
2. Growth Emerging Markets Outside Portland
Rising costs and regulation in Portland are pushing both renters and buyers toward secondary markets such as Bend, Salem, and Eugene. These cities benefit from in-migration, universities, healthcare systems, and state employment, offering foreign nationals lower entry points with less regulatory friction.
3. Sustainability Standards Are Influencing Value
Oregon continues to raise environmental and energy-efficiency standards for new construction and major renovations. Properties built to newer codes often see stronger tenant appeal and better long-term valuation. Foreign investors planning multi-year holds tend to favor energy-efficient or newer builds to reduce operating costs and future retrofit risk.
Oregon DSCR Loan FAQs
Can foreign nationals apply for a DSCR loan in Oregon without US credit history?
Yes. HomeAbroad offers DSCR loans in Oregon for foreign nationals, qualifying the loan based on the property’s rental income rather than US income, tax returns, or credit history.
Can I buy a Oregon investment property through an LLC?
Yes. DSCR loans can be structured under a US-based LLC. HomeAbroad assists foreign nationals with LLC formation and ownership structuring to ensure the setup aligns with portfolio planning.
Do I need to live in the US to buy a rental property in Oregon?
No. HomeAbroad supports remote purchases and closings, allowing international investors to complete the entire DSCR loan process without being physically present in the US.
How long does it take to get a DSCR loan in Oregon?
At HomeAbroad, we streamline the application process to ensure a smooth experience from loan application to closing. We guarantee that the closing will happen within 30 days.
About the author:
Steven Glick is the Director of Mortgage Sales at HomeAbroad and has over a decade of experience in the mortgage industry. As a licensed mortgage originator (NMLS# 1231769), Steven brings deep expertise in loan processing, sales operations, and non-traditional mortgages.
* Scenario-based rate shown for illustrative purposes. Reflects current pricing available to qualified borrowers with strong credit, low loan-to-value, qualifying DSCR, and selected loan terms. Actual rates vary by borrower, property, and market conditions. Not a commitment to lend. Foreign national DSCR pricing may differ from U.S. borrower programs.
Oregon Investment Properties On Sale
Build wealth with HomeAbroad DSCR loans across Oregon’s top markets.
Our streamlined digital process gets you from application to funding faster than traditional lenders.
1
Get Pre-Qualified
Submit a quick online application. No credit pull required for initial quote.
⏱ 5 minutes
2
Submit Documents
Upload property details, lease agreements, and basic ID verification.
⏱ Same day
3
Property Appraisal
We order an appraisal and a rent schedule to confirm DSCR qualification.
⏱ 5–7 days
4
Close & Fund
Sign closing documents and receive your funds. Remote closing available.
⏱ 27 days total
Why Investors Choose HomeAbroad
DSCR Loan Experts
We focus on DSCR investor loans. Expect clear cash flow math, rent documentation, and underwriting that reflects how rental properties are evaluated.
Foreign National Mortgage Experts
No US credit? No problem. At HomeAbroad, our expert loan officers can still qualify you for a DSCR loan. We do not rely on US income or tax returns to underwrite your loan.
AI-Powered Property Search Platform
Our investment property search helps you shortlist rentals that fit DSCR qualification. Screen for rent strength, yield, and investor criteria before you write the offer.
End-to-End Support
We keep the process moving, from LLC formation to bank accounts, insurance to property management. Everything is handled by us so you can focus on growing your portfolio.
Why Choose Us
Built for Foreign Real Estate Investors
HomeAbroad is a one-stop shop for global investors, from finding properties to securing financing, setting up your LLC, opening a US bank account, and managing your portfolio.
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Foreign National Mortgage Experts
No US credit history, income, or residency required. We've helped thousands of international real estate investors finance Oregon real estate.
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AI–Powered Property Search
Our investment property search platform helps you discover high-yield rentals across Oregon using smart algorithms.
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Fast Digital Process
Close in as fast as 27 days with our streamlined application, remote notarization [remote closing], and digital document signing.
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500+ Expert Agents
Work with our network of experienced real estate agents who specialize in investment properties across Oregon.
Ready to Get Started?
Get your personalized rate quote in minutes. No credit pull, no obligation.
48
States We Lend In
27 Days
Average Close Time
500+
Partner Real Estate Agents
4.9 Star
Customer Rating
What Foreign Investors Say About Us
Real reviews from international investors who closed with HomeAbroad
★★★★★
“Quick response, reliable & trustworthy. HomeAbroad helped me find the perfect agent & purchase my investment property in Katy, TX. Would definitely recommend!”
RM
Rashmi Mayekar
Non-US Resident Investor • Property
★★★★★
“HomeAbroad was a game-changer! They helped me get mortgage financing and find an agent who understood my needs. I couldn’t be happier with their assistance.”
SP
Steve Papadakis
Newcomer on H1-B Visa
★★★★★
“Awesome experience in working with them. Very patient in understanding my needs as an investor and helped me with the correct loan product for me. I will recommend them and use them again.”
JB
John Bolla
Investor from New York, NY
★★★★★
“Jonet from HomeAbroad answered all my questions regarding specifics for work visa holders to purchase our first investment property in Tampa. Was patient and kind and also connect me with a real estate agent.”
Ok
Okissa
Purchased Investment Property in Tampa.
Pre-qualify for a DSCR Loan as an international investor
No U.S. credit history. No personal income verification. Qualify based on property’s rental income.
