DSCR Loans in Lane County, Oregon
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 109 lenders made 387 investment-property loans in Lane County, 7.9% of Oregon's total. Dominick Prevete arranges DSCR loans across Lane 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 $325,000.
Lane County investor market at a glance
| Statistic | Lane County | Oregon | County rank |
|---|---|---|---|
| Investor loans | 387 | 4,893 | 5th of 11 |
| Reporting lenders | 109 | 316 | 5th of 11 |
| Loan volume | $125.1M | $1.80B | 5th of 11 |
| Average loan | $323K | $368K | 9th of 11 |
| Median loan | $305K | $325K | 7th of 11 |
| Purchases | 58.4% | 56.3% | 5th of 11 |
| Cash-out refinances | 23.8% | 23.2% | 7th of 11 |
| 2–4 unit properties | 24.3% | 19.1% | 3rd of 11 |
| Top five lenders' share | 20.7% | 16.4% | 9th of 11 |
| Reported business-purpose | 73.4% | 71.8% | 4th of 11 |
Lane County: closed-end loans on 1–4 unit investment properties. Lane County's rank is highest first, among Oregon's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lane County's investor loans.
What stands out in Lane County
Lane County's 387 investor loans ranked 5th of Oregon's 11 counties with published data.
Does a DSCR loan pencil in Lane County?
At HUD's fair market rent of $2,141 for a 3-bedroom in Lane County, Oregon, a rental covers its full DSCR payment up to a purchase price of about $325,000, with 20% down at the 7.25% starting rate (November 2026). Lane County's median home value is $430,600; at that price the payment is $2,824 a month, so the property would need $2,825 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) | $1,546 / $2,141 / $2,584 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $430,600 |
| Median property taxes and effective rate | $3,536 (0.82% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,824 |
| Rent needed to cover that payment | $2,825 |
| Coverage of a 3-bedroom at fair market rent | 0.76 |
| Highest price a 3-bedroom at fair market rent covers | about $325,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $470,000 |
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 Lane County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lane County?
The most active investment-property lenders in Lane County in 2025 HMDA data were United Wholesale Mortgage; SUMMIT FUNDING, INC.; and OREGON COMMUNITY, out of 109 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 Lane County, and matches each file to the one most likely to fund it.
Lane County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 387 loans and $125.1M from 109 lenders. United Wholesale Mortgage led Lane County with 23 loans, 5.9% of the county's total, and the average Lane County loan of $323K compares with $368K across Oregon.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 23 | $8.3M | $359K | 56.5% |
| SUMMIT FUNDING, INC. | 19 | $6.4M | $338K | 100.0% |
| OREGON COMMUNITY | 14 | $3.0M | $216K | 28.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | $4.4M | $367K | 58.3% |
| Kiavi Funding, Inc. | 12 | $4.1M | $345K | 100.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 12 | $3.5M | $295K | 33.3% |
| Loandepot.Com, LLC | 12 | $3.5M | $290K | 91.7% |
| CONVENTUS LLC | 11 | $4.3M | $394K | 90.9% |
| SELCO COMMUNITY | 11 | $3.6M | $329K | 54.5% |
| Rocket Mortgage, LLC | 11 | $2.9M | $266K | 45.5% |
| THE LOAN STORE, INC. | 10 | $4.4M | $436K | 70.0% |
| DIRECTORS MORTGAGE, INC. | 10 | $4.1M | $412K | 60.0% |
| Sierra Pacific Mortgage Company, Inc. | 10 | $4.0M | $395K | 70.0% |
| CMG MORTGAGE, INC. | 10 | $2.7M | $270K | 70.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | $2.0M | $255K | 12.5% |
| GUILD MORTGAGE COMPANY | 8 | $1.9M | $244K | 62.5% |
| DEEPHAVEN MORTGAGE LLC | 8 | $1.9M | $238K | 25.0% |
| Citadel Servicing Corporation | 6 | $2.5M | $415K | 50.0% |
| NEXERA HOLDING LLC | 6 | $2.0M | $335K | 50.0% |
| DHI MORTGAGE COMPANY, LTD. | 6 | $2.0M | $327K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 6 | $1.8M | $303K | 0.0% |
| LIMA ONE CAPITAL, LLC | 5 | $1.8M | $367K | 80.0% |
| Columbia Bank | 5 | $1.8M | $363K | 40.0% |
| OCMBC, INC. | 5 | $1.8M | $361K | 80.0% |
| Wells Fargo Bank, National Association | 5 | $1.7M | $349K | 100.0% |
130 Oregon loans (2.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Lane County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Lane County CSV, all 25 lenders
What Lane County's table can't show you: fit. Short-term financing is exempt from HMDA, so Lane County's fix-and-flip and bridge lenders barely appear among its 109 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 Lane County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Lane County |
|---|---|---|---|
| Linn County, OR | 134 | 59 | Borders Lane County |
| Deschutes County, OR | 411 | 112 | Borders Lane County |
| Benton County, OR | 114 | 52 | Borders Lane County |
| Lincoln County, OR | 106 | 55 | Borders Lane County |
| Jackson County, OR | 307 | 71 | About 105 miles away |
Run the coverage test on your Lane County, Oregon deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lane 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 — Lane County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 109 lenders and 387 loans: 2025 HMDA loan-level data rolled up to Lane County.
- Lane County investor-lender dataset (CSV) — All 25 lenders in the Lane County, Oregon table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lane 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 Eugene-Springfield, OR MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Lane 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.