Eugene, OR’s Trusted Hard Money Lender for Real Estate Investors

Eugene's real estate market punishes hesitation. You find a distressed property in Whiteaker, a development site near the University of Oregon, or a multifamily opportunity in South Eugene, and you have one chance to secure it. Competitors with financing already lined up submit offers while you're still filling out bank applications. Traditional lenders need six weeks minimum just to tell you maybe. Unitas Funding delivers private loans for Eugene real estate investors who understand that in a competitive market, the fastest capital wins the deal every single time.

We don't just approve loans and walk away. Our $4.5 billion in institutional capital and track record of 4,718 closed transactions demonstrate we have the resources to fund your deals consistently. But resources without responsiveness mean nothing. Investors choose Unitas because we pair the financial strength of major lenders with the hands-on service of a true partner. From your first renovation in River Road to managing multiple projects across Lane County, our Eugene hard money lenders customize financing to fit your specific deal instead of forcing you into inflexible lending products that ignore market realities.

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Fast, Reliable Capital for Your Next Real Estate Deal

Properties don't stay available long. Desirable homes in Friendly attract competing offers within hours. Courthouse auctions require immediate proof of funds. Off-market opportunities close before traditional lenders finish their preliminary review. We provide private loans for real estate investors in Eugene with 10-day closing capability, rates starting at 9.25%, and loan-to-cost financing up to 92.5%. Our underwriting examines what drives profitability. Property fundamentals. Your investment approach. Local market dynamics. Not inflexible credit requirements that slow decisions and eliminate your competitive positioning.

Fix & Flip Loans

Fix & Flip Loans

Eugene's housing inventory creates consistent renovation opportunities for strategic investors. Older homes in College Hill need updates. Properties in Springfield require modernization. We finance acquisition and rehabilitation through fix and flip loans based on After Repair Value (ARV), giving you capital to purchase confidently and execute improvements that maximize returns. Our loan structures adapt to your project needs with 12-, 18-, and 24-month terms featuring interest-only payments that preserve working capital during construction phases. From craftsman restorations in Fairmount to contemporary updates in West Eugene, our draw system keeps capital flowing throughout your timeline with 24-48 hour processing after inspections.

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New Construction Loans

New Construction Loans

Ground-up development requires lenders who genuinely understand building complexities and Eugene's regulatory environment. Our Eugene hard money lenders provide new construction funding for single-family spec projects and multifamily residential developments across Eugene and surrounding areas. Our financing delivers staged capital releases synchronized with construction milestones and independent inspections, matching funding to your actual project progression. Our underwriting evaluates developments using market analysis and your construction experience, not generic formulas that miss Eugene's neighborhood-specific demand patterns and zoning requirements.

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Bridge Loans

Bridge Loans

Capital timing gaps create opportunities for investors with access to short-term financing. When you must secure property immediately while finalizing permanent financing, repositioning existing assets, or transitioning between strategies, our bridge loans provide 6-12 month terms built for velocity and adaptability. Eugene investors use gap financing to capture time-critical deals, stabilize properties before rental integration, or maintain transaction flow between sales and new purchases. We structure terms around your specific timeline, delivering clarity and execution reliability when speed determines outcomes.

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DSCR Loans

DSCR Loans for Rental Properties

Expanding rental portfolios in Eugene requires financing that enables systematic growth in a strong rental market. Our Debt Service Coverage Ratio (DSCR) loans qualify using property income generation, not personal income verification. Whether you're acquiring short-term rentals near Autzen Stadium, mid-term rentals serving university faculty, or traditional long-term properties in Santa Clara, we underwrite based on the property's cash flow capacity. This asset-based structure removes the documentation complexity of conventional lending while providing capital to scale your portfolio methodically.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    We combine institutional financial capacity with entrepreneurial execution speed. Our $4.5 billion funding history delivers the capital reliability you expect from established lenders, while our direct lending approach provides the responsiveness you need from a committed partner. Traditional banks require 30-45 days for approval cycles. Our hard money lenders serving Eugene close in 10 business days. Smaller private lenders face capital limitations. We maintain resources to fund multiple concurrent deals and support your growth as investment volume increases.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Conventional lenders operate within rigid frameworks that automatically decline deals missing standardized criteria. We take a different approach entirely. Our underwriting evaluates each transaction individually, examining property fundamentals, Eugene market conditions, and your specific exit strategy. This flexibility creates creative structuring for complex opportunities, term modifications matching your timeline, and approval solutions when other lenders decline. We prioritize transparency and clarity, not arbitrary restrictions limiting your investment capacity.

  3. Certainty from a Direct Lender.
    Unitas approvals represent genuine commitment. As a direct lender owning our capital and controlling underwriting decisions, you avoid secondary approval committees and uncertainty from conduit lenders selling loans to third parties. This direct relationship provides stability during market volatility and ensures approved transactions receive funding. Our institutional backing and direct lending structure proved particularly valuable during the April 2022 market disruption, when conduit lenders experienced funding freezes while direct lenders like Unitas continued funding projects without interruption.

  4. Faster Funding, Faster Draws
    Construction projects demand responsive capital management. Our draw approval delivers 24-48 hour processing after inspection completion, maintaining project momentum without bureaucratic delays. We recognize construction timelines remain unpredictable and rigid draw schedules create cash flow challenges. Our flexible framework permits unlimited draw requests within reasonable parameters, with typical projects requiring approximately 10 draws from start to completion. This responsiveness separates successful projects from those stalled by lender inefficiency.

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Get Pre-Approved in 24 Hours!
Ready to advance your investment strategy? Complete the form below to begin pre-approval. Our Eugene hard money lenders will evaluate your project specifications and provide a preliminary term sheet within 24 hours, delivering the certainty needed to submit competitive offers and close transactions efficiently. Whether you're executing your first fix-and-flip or your fiftieth rental acquisition, Unitas Funding supplies the capital, expertise, and partnership approach Eugene investors trust.

Frequently Asked Questions

What types of investment properties do you finance?

We finance residential investment properties including single-family homes, multifamily buildings, condominiums, and townhomes used for fix-and-flip strategies, rental income, or new construction. Our loans are exclusively business-purpose, structured for LLCs and corporate entities rather than individual owner-occupants. We serve Eugene and surrounding areas including Springfield, Cottage Grove, Creswell, and Veneta. Note that Unitas operates as a wholesale lender in Oregon, accepting applications exclusively from licensed brokers rather than direct borrower applications.

How quickly can you close on a Eugene investment property?

We close in as few as 10 business days with complete documentation. Pre-approvals and term sheets typically generate within 24 hours of application submission through licensed brokers. Final approval timelines depend on title examination and property valuation completion, but our streamlined process consistently delivers faster closings than traditional bank financing, which typically requires 30-45 days minimum. Speed represents a core differentiator for Unitas, enabling Eugene investors to compete effectively in time-sensitive situations.

What are your loan-to-cost ratios for Eugene fix-and-flip projects?

We provide loan-to-cost ratios up to 92.5% on qualified fix-and-flip transactions, with specific terms varying based on property type, location, borrower experience, and project scope. Our asset-based underwriting emphasizes After Repair Value (ARV) and exit strategy rather than rigid formulas, allowing us to maximize leverage for strong opportunities while maintaining appropriate risk management. Rates start at 9.25%, with final pricing determined by credit profile, experience level, and deal-specific factors.

Do you require personal income verification for DSCR loans?

No. Our DSCR loans qualify based on the property's income potential and debt service coverage ratio, not your personal W-2s, tax returns, or employment history. This asset-based approach streamlines the approval process and focuses underwriting on what matters most. Can the property generate sufficient cash flow to cover debt service? We verify down payment liquidity and business entity documentation, but eliminate the extensive personal income documentation burden that traditional lenders require.

What areas of Eugene do you serve?

We serve Eugene and the greater metropolitan area including Springfield, Cottage Grove, Creswell, Veneta, Junction City, and surrounding Lane County communities. As a wholesale lender in Oregon, we work exclusively with licensed brokers and do not accept direct applications from borrowers. Our physical offices in New Jersey and Florida provide support for investors working with Oregon-licensed mortgage brokers.

Ready to Fund Your Next Eugene Real Estate Investment?

Investors need reliable capital partners who understand the market and move quickly when opportunities arise. Unitas Funding has the institutional backing to support your growth and the flexibility to structure deals that work for your specific investment strategy. Contact our Eugene hard money lenders today to discuss your next project and experience the difference of working with a lender committed to your success.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.