Hard Money Loans in Portland, OR
Find lenders offering hard money loans in the Portland, including Beaverton, Hillsboro, Lake Oswego, and surrounding areas. Compare rates, terms, and programs from 15 lenders.
Hard Money Lenders Serving Portland
15 lenders offering hard money loans in the Portland, OR area.
Anchor Loans
Thousand Oaks, CA
One of the largest hard money lenders in the US. Fix-and-flip, bridge, and rental loans. Fast closings with competitive terms for experienced investors.
Broadmark Realty Capital
Seattle, WA
Private real estate lender offering bridge, construction, and land loans. Now part of Ready Capital. Loans from $500K to $25M+.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
Constitution Lending
NJ
Hard money lender focused on new investors. Fix-and-flip and bridge loans with 9.5-12% rates. No experience required. Up to 90% LTV for renovation.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Groundfloor
Atlanta, GA
Real estate lending platform offering fix-and-flip and bridge loans. Crowdfunding model provides competitive rates for borrowers.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
Park Place Finance
TX
Direct private lender with 17+ years experience. $1B+ in loans closed. Bridge loans for fix-and-flip, refinance, and cash-out.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Residential Capital Partners
TX
Hard money lender offering up to 85% LTV with no down payment option. Rates starting at 8.5%. Mixed-use, single-family, and multifamily.
Stbridge Capital
Los Angeles, CA
Private money lender in California. Bridge, fix-and-flip, and ground-up construction loans. Fast closings for experienced investors.
Tidal Loans
Houston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Aloha Capital
HI
Private lender offering DSCR rental loans with up to 80% cash-out refinance. Also provides bridge and fix-and-flip financing for investment properties.
Temple View Capital
UT
Private lender offering DSCR rental loans, bridge financing, and fix-and-flip loans for real estate investors. Fast closings with flexible qualification criteria.
Portland Commercial Real Estate Market
Portland's commercial real estate market is defined by the Silicon Forest tech corridor stretching west through Beaverton and Hillsboro, where Intel's Ronler Acres campus and multiple semiconductor suppliers generate substantial office and industrial demand. The Pearl District and Central Eastside Industrial District represent contrasting but thriving submarkets — the Pearl for creative office and retail, and the Central Eastside for flex-industrial and maker spaces that have attracted breweries, food manufacturers, and tech startups. The city's urban growth boundary constrains land supply, keeping development densities higher than comparable West Coast markets. Portland has faced elevated office vacancy rates downtown since the pandemic, but industrial and life sciences sectors remain strong performers.
Key Economic Drivers
- ●Intel's Hillsboro campus and the broader Silicon Forest semiconductor supply chain
- ●Nike, Adidas North America, and Columbia Sportswear headquarters driving office demand in the metro's west side
- ●Port of Portland and PDX International Airport supporting logistics and distribution facilities
- ●Central Eastside Industrial District's concentration of craft manufacturing, food production, and tech firms
Market Insight
Oregon has no sales tax, which gives Portland retailers a competitive edge over neighboring Washington markets, but the city levies a Business License Tax and Multnomah County's Preschool for All surcharge adds a 1.5-2.3% income tax on high earners — factors that affect tenant recruitment for office properties.
Hard Money Loans in Portland, Oregon
Hard money loans are short-term, asset-based loans primarily secured by real estate. Funded by private investors or companies rather than banks, they prioritize the property's value over the borrower's creditworthiness. Ideal for fix-and-flip, distressed properties, and deals that need to close fast. In the Portland metro area, borrowers can access 15 lenders offering Hard Money financing, including Beaverton, Hillsboro, Lake Oswego, and surrounding areas. Loan amounts typically range from $50K to $10M with rates from 10% - 15%.
Who Should Consider Hard Money Loans?
- Fix-and-flip investors
- Distressed property acquisitions
- Borrowers with credit issues
- Deals requiring immediate close
Key Requirements
- Property as collateral (LTV 60-75%)
- Exit strategy
- Down payment or equity
- Property appraisal
Advantages
- ✓Fastest closing (days, not weeks)
- ✓Credit score less important
- ✓Flexible terms
- ✓Finance distressed properties
Considerations
- •Highest interest rates
- •Short terms
- •High origination fees (2-5 points)
- •Requires strong exit strategy
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