Oregon’s Trusted Hard Money Lender for Real Estate Investors

When the right investment property hits the market, conventional financing often can’t move fast enough. Unitas Funding provides private capital solutions for builders, landlords, and real estate investors across Oregon, including Portland, Beaverton, Hillsboro, Gresham, and Salem. Expect quick approvals, streamlined draw schedules, and terms built around timelines and exits.Whether you need fix & flip financing, bridge loans, DSCR loans for rentals, or new construction funding, we move with speed and reliability. As experienced private money lenders serving Oregon and nearby markets like Beaverton, we structure deals so investors can execute quickly and protect momentum.

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Fast, Reliable Capital

Predictable approvals and clear steps reduce execution risk across acquisitions and construction timelines. Backed by institutional capital and direct-lender agility, Unitas Funding supports investors throughout Oregon—from Hillsboro to Salem—with transparent terms, hands-on guidance, and closing certainty.

Fix & Flip Loans

Fix & Flip Loans

Investors use our fix & flip loans in Oregon for BRRRR-aligned rehabs and resale projects where ARV drives leverage across markets like Portland, Beaverton, and Hillsboro. We underwrite with a focus on After-Repair Value (ARV), so you can maximize leverage for acquisition and renovation while keeping execution disciplined.

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New Construction Loans

New Construction Loans

Our private construction loans in Oregon support spec builds and small-scale residential development in areas such as Beaverton and Gresham. With a staged draw process tied to clear inspections and milestones, capital releases stay aligned with progress from site work through vertical build-out.

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Bridge Loans

Bridge Loans

When timing matters, our Oregon bridge loans provide interim financing for inventory takeouts, bridge-to-perm transitions, and short-term repositioning in markets like Portland and Salem. Use bridge capital to close quickly, stabilize assets, or transition to permanent financing without losing the deal to slower lenders.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR loans in Oregon are designed for investors focused on cash-flow based rental acquisitions and refinance strategies across Hillsboro, Gresham, and surrounding communities. These asset-based rental loans qualify based on property income—helping landlords scale without traditional income verification bottlenecks.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Unitas Funding pairs institutional reliability with direct-lender agility. Serving investors across Oregon and nearby markets like Portland and Beaverton. Because we control the process from term sheet through funding, investors get clarity, speed, and consistent execution.

  2. More Ways to Say “Yes” to Your Deal.
    Many lenders follow narrow boxes. Unitas reviews property fundamentals, risk controls, and exit strategy to find a path forward. In Oregon, that flexibility helps investors move in submarkets such as Hillsboro and Gresham. Our underwriting team understands construction realities and focuses on feasibility, leverage, and the path to repayment.

  3. Certainty from a Direct Lender.
    Direct lending means fewer surprises: we control underwriting and funding through closing. That matters when you’re executing deals across Portland, Beaverton, Hillsboro, Gresham, and Salem. You avoid last-minute funding failures and unexpected term changes caused by third-party capital constraints.

  4. Faster Funding, Faster Draws.
    Construction momentum depends on responsive capital. Unitas delivers fast draw releases tied to clear milestones. Investors across Oregon—including Beaverton and Salem—benefit from a process built for momentum. Clear milestones and quick releases support consistent progress throughout the project lifecycle.

  5. Faster Funding, Faster Draws.
    Oregon doesn’t slow down—and neither should your capital. Whether you’re renovating in Portland, building in Gresham, or scaling rentals across Hillsboro and Salem, Unitas Funding delivers the leverage and certainty needed to close on schedule.

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Oregon. Close in as little as 10 days with Unitas Funding.

Frequently Asked Questions

Who qualifies for hard money loans in Oregon?

Investors scaling portfolios across Oregon—including investors active in Portland and Beaverton—are typically a strong fit when speed and certainty matter. A defined scope, realistic budget, and clear exit plan help approvals move quickly.

What documents are required to apply for a Oregon real estate investment loan?

At minimum, share the address, purchase terms or payoff, rehab budget, and timeline. For properties in Oregon and nearby markets like Hillsboro, adding photos, contractor bids, and a timeline can accelerate underwriting and reduce back-and-forth.

What credit score do I need for a hard money loan in Oregon?

Credit is reviewed, but approvals are primarily asset-based and deal-driven. In Oregon, collateral strength, leverage, and a feasible execution plan—especially for projects in Gresham—often matter more than a single score threshold.

Do you lend to first-time real estate investors in Oregon?

Yes. First-time investors in Oregon can qualify with conservative leverage and a credible plan, particularly when working in markets like Portland. Using experienced contractors and presenting a detailed scope strengthens the file.

Is income verification required for investment property loans in Oregon?

Many programs emphasize the property rather than pay stubs. DSCR loans in Oregon rely on cash flow coverage, while rehab and construction financing focus on ARV, budget, and feasibility across markets such as Beaverton and Hillsboro.

How long does the hard money approval process take in Oregon?

Initial feedback and term sheets can often be issued quickly once deal details are submitted. Final approval depends on valuation and title, with many Oregon closings completed in roughly 10 days—even for time-sensitive opportunities in Salem.

Why choose Unitas Funding over other hard money lenders in Oregon?

Direct-lender execution, transparent terms, and predictable draws reduce uncertainty during acquisition and construction. That reliability matters in Oregon when you’re coordinating closings and contractors across areas like Hillsboro and Gresham.

How is a hard money lender different from a bank in Oregon?

Banks typically rely on rigid documentation and longer approval cycles. Hard money loans are underwritten to the asset and business plan, enabling faster decisions for value-add and transitional properties throughout Oregon and nearby markets such as Portland.

Do you provide funding across Oregon?

Yes. Funding is available throughout Oregon, including Portland, Beaverton, Hillsboro, Gresham, and Salem, for business-purpose investment properties. Eligibility depends on the asset type, leverage, and exit plan—not a specific city boundary.

How do I apply for a Oregon hard money loan with Unitas Funding?

Submit the property address, purchase terms, budget and scope, and your target closing date. After review, we coordinate valuation and title steps to move efficiently toward funding for deals across Oregon and markets like Beaverton.

Ready to Fund Your Next Indiana Real Estate Investment?

Indiana's market doesn't slow down, and neither should your capital. At Unitas Funding, we deliver the institutional backing and direct lending speed that wins deals. Whether you're renovating properties, developing spec homes, or building a rental portfolio across the metro area, our hard money lenders provide Indiana real estate investors the leverage and certainty you need to close on schedule. Submit your application now, and let's turn your next opportunity into a funded project!