DSCR Loans in Marion 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, 102 lenders made 355 investment-property loans in Marion County, 7.3% of Oregon's total. Dominick Prevete arranges DSCR loans across Marion 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 $355,000.
Marion County investor market at a glance
| Statistic | Marion County | Oregon | County rank |
|---|---|---|---|
| Investor loans | 355 | 4,893 | 6th of 11 |
| Reporting lenders | 102 | 316 | 6th of 11 |
| Loan volume | $112.5M | $1.80B | 6th of 11 |
| Average loan | $317K | $368K | 10th of 11 |
| Median loan | $305K | $325K | 7th of 11 |
| Purchases | 52.4% | 56.3% | 7th of 11 |
| Cash-out refinances | 27.9% | 23.2% | 5th of 11 |
| 2–4 unit properties | 25.9% | 19.1% | 2nd of 11 |
| Top five lenders' share | 21.4% | 16.4% | 8th of 11 |
| Reported business-purpose | 72.4% | 71.8% | 5th of 11 |
Marion County: closed-end loans on 1–4 unit investment properties. Marion County's rank is highest first, among Oregon's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Marion County's investor loans.
What stands out in Marion County
25.9% of Marion County's investor loans financed a 2–4 unit property, the 2nd-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.
The average investor loan in Marion County was $317K, the 2nd-lowest average of Oregon's 11 counties with published data (statewide: $368K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Marion County?
At HUD's fair market rent of $2,341 for a 3-bedroom in Marion County, Oregon, a rental covers its full DSCR payment up to a purchase price of about $355,000, with 20% down at the 7.25% starting rate (November 2026). Marion County's median home value is $416,400; at that price the payment is $2,737 a month, so the property would need $2,750 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) | $1,692 / $2,341 / $2,564 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $416,400 |
| Median property taxes and effective rate | $3,490 (0.84% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,737 |
| Rent needed to cover that payment | $2,750 |
| Coverage of a 3-bedroom at fair market rent | 0.86 |
| Highest price a 3-bedroom at fair market rent covers | about $355,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $510,000 |
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 Marion County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Marion County?
The most active investment-property lenders in Marion County in 2025 HMDA data were Rocket Mortgage, LLC; MERCHANTS MORTGAGE & TRUST CORPORATION, LLC; and GUILD MORTGAGE COMPANY, out of 102 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 Marion County, and matches each file to the one most likely to fund it.
Marion County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 355 loans and $112.5M from 102 lenders. Rocket Mortgage, LLC led Marion County with 19 loans, 5.4% of the county's total, and the average Marion County loan of $317K compares with $368K across Oregon.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 19 | $5.3M | $278K | 21.1% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 17 | $4.4M | $261K | 100.0% |
| GUILD MORTGAGE COMPANY | 14 | $4.1M | $291K | 78.6% |
| HOMEXPRESS MORTGAGE CORP. | 13 | $4.8M | $367K | 23.1% |
| NEWREZ LLC | 13 | $4.4M | $337K | 30.8% |
| THE LOAN STORE, INC. | 11 | $3.6M | $328K | 45.5% |
| United Wholesale Mortgage | 11 | $2.7M | $244K | 45.5% |
| DHI MORTGAGE COMPANY, LTD. | 10 | $2.9M | $287K | 100.0% |
| Fairway Independent Mortgage Corporation | 9 | $4.8M | $532K | 66.7% |
| PENNYMAC LOAN SERVICES, LLC | 9 | $3.2M | $356K | 66.7% |
| OCMBC, INC. | 9 | $2.9M | $318K | 22.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 8 | $2.5M | $309K | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | $2.5M | $306K | 62.5% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | $2.4M | $338K | 71.4% |
| NEXERA HOLDING LLC | 7 | $2.1M | $295K | 85.7% |
| UNION HOME MORTGAGE CORP. | 7 | $2.0M | $285K | 71.4% |
| RAIN CITY CAPITAL, LLC | 7 | $1.8M | $262K | 0.0% |
| Synergy One Lending, Inc. | 6 | $2.1M | $353K | 33.3% |
| Hometown Equity Mortgage, LLC | 6 | $1.6M | $273K | 16.7% |
| NexBank | 5 | $1.7M | $331K | 80.0% |
| Kiavi Funding, Inc. | 5 | $1.6M | $327K | 100.0% |
| KIND LENDING, LLC | 5 | $1.4M | $285K | 80.0% |
| Columbia Bank | 5 | $1.1M | $221K | 80.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | $1.4M | $350K | 100.0% |
| LENDSURE MORTGAGE CORP. | 4 | $1.3M | $330K | 75.0% |
130 Oregon loans (2.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Marion County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Marion County CSV, all 25 lenders
What Marion County's table can't show you: fit. Short-term financing is exempt from HMDA, so Marion County's fix-and-flip and bridge lenders barely appear among its 102 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 Marion County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Marion County |
|---|---|---|---|
| Clackamas County, OR | 429 | 122 | Borders Marion County |
| Linn County, OR | 134 | 59 | Borders Marion County |
| Yamhill County, OR | 123 | 65 | Borders Marion County |
| Multnomah County, OR | 952 | 160 | About 45 miles away |
| Benton County, OR | 114 | 52 | About 50 miles away |
| Lincoln County, OR | 106 | 55 | About 70 miles away |
| Deschutes County, OR | 411 | 112 | About 95 miles away |
Run the coverage test on your Marion County, Oregon deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Marion 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 — Marion County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 102 lenders and 355 loans: 2025 HMDA loan-level data rolled up to Marion County.
- Marion County investor-lender dataset (CSV) — All 25 lenders in the Marion County, Oregon table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Marion 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 Salem, OR MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Marion 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.