Where we lend · Oregon (OR)
Investment property financingin Oregon.
AIRE Lending is not yet lending in Oregon. Join the waitlist and we will let you know when financing for investors in Portland, Salem, Eugene and across the state becomes available.
The market
Investing in Oregon,at a glance.
Oregon's real estate market is centered on the Portland metro, which experienced massive appreciation during 2015-2022 before cooling significantly. Portland's market has been uniquely affected by a combination of factors — COVID-era migration, downtown challenges, and statewide rent control (Oregon was the first state to implement a statewide rent cap). Despite these headwinds, Portland's fundamentals remain strong with a tech sector (Intel, Nike, Columbia Sportswear), world-class dining and culture, and sustained housing demand. Bend has become one of the most desirable small cities in the West, with outdoor recreation driving premium prices. Eugene benefits from the University of Oregon. Salem and Medford offer more affordable alternatives.
Markets we serve
- Portland
- Salem
- Eugene
- Bend
- Medford
- Hillsboro
Why AIRE Lending in Oregon
- Understanding of Portland's complex market dynamics and current opportunities
- Programs that account for Oregon's statewide rent control in DSCR calculations
- Short-term rental financing for Bend and the Oregon Coast
- Construction financing for Portland infill and suburban new builds
- Experience navigating Oregon's tenant-protective regulatory environment
Availability
Coming soonto Oregon.
We're expanding to Oregon soon. Join our waitlist to be the first to know when we launch.
Join the waitlistOregon licensing and compliance
Oregon requires a mortgage lender license for loan origination. AIRE Lending is actively pursuing Oregon licensing. Join our waitlist to be notified when Oregon programs go live.
Questions, answered
Lending in Oregon,explained.
When will AIRE Lending be available in Oregon?
We are actively working on Oregon licensing and expect to begin lending in OR in the future. Join our waitlist to be the first to know when Oregon programs launch.
How does Oregon's rent control affect investment returns?
Oregon caps annual rent increases at 7% plus CPI for most properties. This affects long-term rental strategy and must be factored into DSCR analysis. New construction is exempt for the first 15 years. When we launch, our underwriting will account for Oregon's specific rent control provisions.
Is Portland still a good investment market?
Portland has cooled from its 2021-2022 peak, which many investors view as a buying opportunity. The fundamentals — tech employers, population base, housing supply constraints — remain strong. The current market correction may offer attractive entry points.
What about investing in Bend?
Bend is one of the most desirable small cities in the West, with premium pricing reflecting its outdoor recreation lifestyle. Short-term vacation rentals perform well. When we launch in Oregon, Bend will be a target market.