DSCR Loans in Washington 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, 134 lenders made 542 investment-property loans in Washington County, 11.1% of Oregon's total. Dominick Prevete arranges DSCR loans across Washington 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.
Washington County investor market at a glance
| Statistic | Washington County | Oregon | County rank |
|---|---|---|---|
| Investor loans | 542 | 4,893 | 2nd of 11 |
| Reporting lenders | 134 | 316 | 2nd of 11 |
| Loan volume | $200.1M | $1.80B | 3rd of 11 |
| Average loan | $369K | $368K | 6th of 11 |
| Median loan | $355K | $325K | 3rd of 11 |
| Purchases | 61.6% | 56.3% | 3rd of 11 |
| Cash-out refinances | 18.8% | 23.2% | 10th of 11 |
| 2–4 unit properties | 10.1% | 19.1% | 11th of 11 |
| Top five lenders' share | 19.6% | 16.4% | 11th of 11 |
| Reported business-purpose | 68.6% | 71.8% | 9th of 11 |
Washington County: closed-end loans on 1–4 unit investment properties. Washington County's rank is highest first, among Oregon's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Washington County's investor loans.
What stands out in Washington County
10.1% of Washington County's investor loans financed a 2–4 unit property, the 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.
The five most active lenders wrote 19.6% of Washington County's investor loans, the lowest share of Oregon's 11 counties with published data (statewide: 16.4%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
18.8% of Washington County's investor loans were cash-out refinances, the 2nd-lowest share of Oregon's 11 counties with published data (statewide: 23.2%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in Washington County?
At HUD's fair market rent of $2,550 for a 3-bedroom in Washington 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). Washington County's median home value is $588,000; at that price the payment is $3,865 a month, so the property would need $3,875 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) | $588,000 |
| Median property taxes and effective rate | $4,929 (0.84% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,865 |
| Rent needed to cover that payment | $3,875 |
| Coverage of a 3-bedroom at fair market rent | 0.66 |
| 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 Washington County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Washington County?
The most active investment-property lenders in Washington County in 2025 HMDA data were United Wholesale Mortgage; LIMA ONE CAPITAL, LLC; and PENNYMAC LOAN SERVICES, LLC, out of 134 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 Washington County, and matches each file to the one most likely to fund it.
Washington County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 542 loans and $200.1M from 134 lenders. United Wholesale Mortgage led Washington County with 25 loans, 4.6% of the county's total, and the average Washington County loan of $369K compares with $368K across Oregon.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 25 | $8.1M | $324K | 56.0% |
| LIMA ONE CAPITAL, LLC | 24 | $14.1M | $585K | 12.5% |
| PENNYMAC LOAN SERVICES, LLC | 23 | $8.6M | $375K | 60.9% |
| Rocket Mortgage, LLC | 17 | $6.2M | $364K | 52.9% |
| LENNAR MORTGAGE, LLC | 17 | $6.0M | $350K | 100.0% |
| THE LOAN STORE, INC. | 16 | $5.5M | $341K | 56.2% |
| GUILD MORTGAGE COMPANY | 15 | $5.8M | $390K | 60.0% |
| ONPOINT COMMUNITY CREDIT UNION | 14 | $4.6M | $328K | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 12 | $4.4M | $369K | 75.0% |
| MORTGAGE EXPRESS, LLC | 11 | $3.7M | $332K | 81.8% |
| Taylor Morrison Home Funding, Inc. | 10 | $3.4M | $340K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 10 | $3.3M | $327K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 9 | $4.2M | $471K | 66.7% |
| UNION HOME MORTGAGE CORP. | 9 | $3.5M | $393K | 55.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 9 | $3.2M | $355K | 88.9% |
| DIRECTORS MORTGAGE, INC. | 9 | $3.0M | $334K | 55.6% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 9 | $2.0M | $222K | 66.7% |
| 212 Loans of Oregon, LLC | 8 | $3.4M | $420K | 100.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 8 | $3.3M | $410K | 100.0% |
| JPMorgan Chase Bank, National Association | 8 | $3.3M | $408K | 87.5% |
| CHAMPIONS FUNDING, LLC | 8 | $3.1M | $383K | 12.5% |
| MOVEMENT MORTGAGE, LLC | 8 | $2.9M | $368K | 50.0% |
| U.S. Bank National Association | 8 | $2.7M | $336K | 87.5% |
| GENWAY HOME MORTGAGE, INC. | 8 | $2.5M | $306K | 100.0% |
| Hometown Equity Mortgage, LLC | 7 | $2.4M | $345K | 42.9% |
130 Oregon loans (2.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Washington County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Washington County CSV, all 25 lenders
What Washington County's table can't show you: fit. Short-term financing is exempt from HMDA, so Washington County's fix-and-flip and bridge lenders barely appear among its 134 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 Washington County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Washington County |
|---|---|---|---|
| Yamhill County, OR | 123 | 65 | Borders Washington County |
| Multnomah County, OR | 952 | 160 | Borders Washington County |
| Clackamas County, OR | 429 | 122 | Borders Washington County |
| Clark County, WA | 545 | 139 | About 35 miles away |
| Cowlitz County, WA | 107 | 49 | About 50 miles away |
Run the coverage test on your Washington County, Oregon deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Washington 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 — Washington County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 134 lenders and 542 loans: 2025 HMDA loan-level data rolled up to Washington County.
- Washington County investor-lender dataset (CSV) — All 25 lenders in the Washington County, Oregon table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Washington 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 — Washington 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.