DSCR Loans in Linn County, Oregon
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 59 lenders made 134 investment-property loans in Linn County, 2.7% of Oregon's total. Dominick Prevete arranges DSCR loans across Linn 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 $360,000.
Linn County investor market at a glance
| Statistic | Linn County | Oregon | County rank |
|---|---|---|---|
| Investor loans | 134 | 4,893 | 8th of 11 |
| Reporting lenders | 59 | 316 | 9th of 11 |
| Loan volume | $44.4M | $1.80B | 9th of 11 |
| Average loan | $331K | $368K | 8th of 11 |
| Median loan | $280K | $325K | 11th of 11 |
| Purchases | 50.0% | 56.3% | 9th of 11 |
| Cash-out refinances | 32.8% | 23.2% | 1st of 11 |
| 2–4 unit properties | 35.1% | 19.1% | 1st of 11 |
| Top five lenders' share | 27.6% | 16.4% | 3rd of 11 |
| Reported business-purpose | 69.4% | 71.8% | 8th of 11 |
Linn County: closed-end loans on 1–4 unit investment properties. Linn County's rank is highest first, among Oregon's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Linn County's investor loans.
What stands out in Linn County
35.1% of Linn County's investor loans financed a 2–4 unit property, the highest share of Oregon's 11 counties with published data (statewide: 19.1%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
32.8% of Linn County's investor loans were cash-out refinances, the highest share of Oregon's 11 counties with published data (statewide: 23.2%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
The median investor loan in Linn County was $280K, the lowest median of Oregon's 11 counties with published data (statewide: $325K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Linn County?
At HUD's fair market rent of $2,380 for a 3-bedroom in Linn County, Oregon, a rental covers its full DSCR payment up to a purchase price of about $360,000, with 20% down at the 7.25% starting rate (November 2026). Linn County's median home value is $376,400; at that price the payment is $2,483 a month, so the property would need $2,500 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) | $1,726 / $2,380 / $2,672 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $376,400 |
| Median property taxes and effective rate | $3,261 (0.87% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,483 |
| Rent needed to cover that payment | $2,500 |
| Coverage of a 3-bedroom at fair market rent | 0.96 |
| Highest price a 3-bedroom at fair market rent covers | about $360,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $520,000 |
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 Linn County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Linn County?
The most active investment-property lenders in Linn County in 2025 HMDA data were DEEPHAVEN MORTGAGE LLC, HOMEXPRESS MORTGAGE CORP. and NEWREZ LLC, out of 59 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 and matches each file to the one most likely to fund it.
Linn County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 134 loans and $44.4M from 59 lenders. DEEPHAVEN MORTGAGE LLC led Linn County with 10 loans, 7.5% of the county's total, and the average Linn County loan of $331K compares with $368K across Oregon.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| DEEPHAVEN MORTGAGE LLC | 10 | $8.0M | $795K | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 9 | $3.3M | $366K | 33.3% |
| NEWREZ LLC | 6 | $1.7M | $277K | 33.3% |
| Rocket Mortgage, LLC | 6 | $1.6M | $265K | 33.3% |
| Columbia Bank | 6 | $1.6M | $265K | 50.0% |
| United Wholesale Mortgage | 5 | $1.7M | $337K | 60.0% |
| Loandepot.Com, LLC | 5 | $1.6M | $329K | 40.0% |
| Oregon State Credit Union | 5 | $1.1M | $211K | 40.0% |
| MOVEMENT MORTGAGE, LLC | 5 | $1.0M | $191K | 40.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 4 | $1.0M | $255K | 100.0% |
| Citadel Servicing Corporation | 3 | $1.0M | $318K | 66.7% |
| CONVENTUS LLC | 3 | $0.9M | $292K | 66.7% |
| DAS Acquisition Company, LLC | 3 | $0.8M | $272K | 66.7% |
| PacWest Funding Inc. | 3 | $0.7M | $242K | 100.0% |
| GUILD MORTGAGE COMPANY | 3 | $0.5M | $162K | 33.3% |
| UNION HOME MORTGAGE CORP. | 2 | $1.3M | $665K | 50.0% |
| NEXERA HOLDING LLC | 2 | $1.0M | $505K | 100.0% |
| SELCO COMMUNITY | 2 | $0.8M | $385K | 0.0% |
| CENTRAL WILLAMETTE Credit Union | 2 | $0.7M | $370K | 50.0% |
| LENNAR MORTGAGE, LLC | 2 | $0.7M | $355K | 100.0% |
| GO MORTGAGE, LLC | 2 | $0.7M | $330K | 100.0% |
| LENDSURE MORTGAGE CORP. | 2 | $0.6M | $295K | 50.0% |
| Filo Mortgage, L.L.C. | 2 | $0.6M | $285K | 50.0% |
| U.S. Bank National Association | 2 | $0.5M | $245K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.5M | $235K | 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 Linn County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Linn County CSV, all 25 lenders
What Linn County's table can't show you: fit. Short-term financing is exempt from HMDA, so Linn County's fix-and-flip and bridge lenders barely appear among its 59 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 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 Linn County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Linn County |
|---|---|---|---|
| Lane County, OR | 387 | 109 | Borders Linn County |
| Marion County, OR | 355 | 102 | Borders Linn County |
| Benton County, OR | 114 | 52 | Borders Linn County |
| Deschutes County, OR | 411 | 112 | Borders Linn County |
Run the coverage test on your Linn County, Oregon deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Linn 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 — Linn County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 59 lenders and 134 loans: 2025 HMDA loan-level data rolled up to Linn County.
- Linn County investor-lender dataset (CSV) — All 25 lenders in the Linn County, Oregon table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Linn 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 Albany, OR MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Linn 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.