DSCR Loans in Clackamas County, Oregon
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 122 lenders made 429 investment-property loans in Clackamas County, 8.8% of Oregon's total. Dominick Prevete arranges DSCR loans across Clackamas County, Oregon, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $385,000.
Clackamas County investor market at a glance
| Statistic | Clackamas County | Oregon | County rank |
|---|---|---|---|
| Investor loans | 429 | 4,893 | 3rd of 11 |
| Reporting lenders | 122 | 316 | 3rd of 11 |
| Loan volume | $205.9M | $1.80B | 2nd of 11 |
| Average loan | $480K | $368K | 1st of 11 |
| Median loan | $395K | $325K | 2nd of 11 |
| Purchases | 59.4% | 56.3% | 4th of 11 |
| Cash-out refinances | 21.4% | 23.2% | 8th of 11 |
| 2–4 unit properties | 11.4% | 19.1% | 10th of 11 |
| Top five lenders' share | 22.1% | 16.4% | 7th of 11 |
| Reported business-purpose | 75.3% | 71.8% | 2nd of 11 |
Clackamas County: closed-end loans on 1–4 unit investment properties. Clackamas County's rank is highest first, among Oregon's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Clackamas County's investor loans.
What stands out in Clackamas County
The average investor loan in Clackamas County was $480K, the highest average of Oregon's 11 counties with published data (statewide: $368K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
11.4% of Clackamas County's investor loans financed a 2–4 unit property, the 2nd-lowest share of Oregon's 11 counties with published data (statewide: 19.1%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
By share of investor loans reported as business-purpose, Clackamas County ranks 2nd-highest of Oregon's 11 counties with published data (statewide: 71.8%).
75.3% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Clackamas County?
At HUD's fair market rent of $2,550 for a 3-bedroom in Clackamas County, Oregon, a rental covers its full DSCR payment up to a purchase price of about $385,000, with 20% down at the 7.25% starting rate (November 2026). Clackamas County's median home value is $611,000; at that price the payment is $4,020 a month, so the property would need $4,025 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,878 / $2,550 / $3,069 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $611,000 |
| Median property taxes and effective rate | $5,171 (0.85% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,020 |
| Rent needed to cover that payment | $4,025 |
| Coverage of a 3-bedroom at fair market rent | 0.63 |
| Highest price a 3-bedroom at fair market rent covers | about $385,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Clackamas County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Clackamas County?
The most active investment-property lenders in Clackamas County in 2025 HMDA data were United Wholesale Mortgage; ONPOINT COMMUNITY CREDIT UNION; and MOVEMENT MORTGAGE, LLC, out of 122 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Clackamas County, and matches each file to the one most likely to fund it.
Clackamas County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 429 loans and $205.9M from 122 lenders. United Wholesale Mortgage led Clackamas County with 29 loans, 6.8% of the county's total, and the average Clackamas County loan of $480K compares with $368K across Oregon.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 29 | $12.9M | $443K | 62.1% |
| ONPOINT COMMUNITY CREDIT UNION | 24 | $11.3M | $472K | 58.3% |
| MOVEMENT MORTGAGE, LLC | 17 | $5.5M | $326K | 29.4% |
| Rocket Mortgage, LLC | 13 | $5.5M | $420K | 76.9% |
| GUILD MORTGAGE COMPANY | 12 | $5.0M | $417K | 66.7% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 12 | $4.7M | $389K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 11 | $5.2M | $475K | 45.5% |
| Fairway Independent Mortgage Corporation | 10 | $4.0M | $403K | 50.0% |
| THE LOAN STORE, INC. | 10 | $3.8M | $384K | 30.0% |
| Kiavi Funding, Inc. | 9 | $7.5M | $838K | 66.7% |
| NEWREZ LLC | 9 | $6.0M | $665K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | $3.9M | $433K | 44.4% |
| U.S. Bank National Association | 9 | $3.4M | $375K | 33.3% |
| 212 Loans of Oregon, LLC | 9 | $3.3M | $371K | 100.0% |
| NATIONS DIRECT MORTGAGE, LLC | 9 | $2.7M | $299K | 66.7% |
| LIMA ONE CAPITAL, LLC | 7 | $6.7M | $956K | 57.1% |
| CMG MORTGAGE, INC. | 7 | $3.9M | $554K | 71.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 7 | $3.0M | $428K | 71.4% |
| Citadel Servicing Corporation | 6 | $2.8M | $470K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | $2.8M | $553K | 100.0% |
| LENDSURE MORTGAGE CORP. | 5 | $2.5M | $499K | 20.0% |
| RAIN CITY CAPITAL, LLC | 5 | $2.3M | $457K | 0.0% |
| Commerce Home Mortgage, Inc. | 5 | $2.3M | $451K | 60.0% |
| MORTGAGE EXPRESS, LLC | 5 | $2.0M | $407K | 80.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | $1.9M | $373K | 40.0% |
130 Oregon loans (2.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Clackamas County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Clackamas County CSV, all 25 lenders
What Clackamas County's table can't show you: fit. Short-term financing is exempt from HMDA, so Clackamas County's fix-and-flip and bridge lenders barely appear among its 122 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Clackamas County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Clackamas County |
|---|---|---|---|
| Marion County, OR | 355 | 102 | Borders Clackamas County |
| Multnomah County, OR | 952 | 160 | Borders Clackamas County |
| Washington County, OR | 542 | 134 | Borders Clackamas County |
| Yamhill County, OR | 123 | 65 | Borders Clackamas County |
| Clark County, WA | 545 | 139 | About 45 miles away |
| Deschutes County, OR | 411 | 112 | About 100 miles away |
Run the coverage test on your Clackamas County, Oregon deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Clackamas County, Oregon property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Clackamas County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 122 lenders and 429 loans: 2025 HMDA loan-level data rolled up to Clackamas County.
- Clackamas County investor-lender dataset (CSV) — All 25 lenders in the Clackamas County, Oregon table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Clackamas County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Portland-Vancouver-Hillsboro, OR-WA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Clackamas County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.