Oregon DSCR Loan Calculator
Screen a Oregon rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Oregon; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Oregon DSCR assumptions
The calculator seeds Oregon with a starting property value of $460,000.00, starting rent of $1,600.00, annual property tax based on a 0.81% effective rate, and estimated annual insurance of $1,547.00.
STR note: Portland requires owner-occupancy for STR permits and caps permits per zone. Bend has STR regulations. Coastal towns (Cannon Beach, Newport) have varying ordinances. Portland STR rules limit investor-owned STRs significantly. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Portland/Multnomah County (largest, most liquid, but very tenant-protective). Beaverton/Washington County (Portland suburb, strong tech employment, better regulatory environment than Portland proper). Eugene/Lane County (University of Oregon, cash flow + hybrid). Bend/Deschutes County (outdoor recreation/tech migration, appreciation market). Salem/Marion County (state capital, more affordable, hybrid). Medford/Jackson County (Southern OR, more affordable, hybrid).
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