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

Portland's real estate market operates at a pace that leaves traditional financing in the dust. When you identify a value-add opportunity in Alberta Arts District, a development parcel in Division-Clinton, or a multifamily conversion in Sellwood-Moreland, hesitation costs you the deal. Competitors with pre-arranged capital close while you're still waiting for bank committees to convene. Unitas Funding delivers hard money loans engineered for investors who understand that market timing isn't negotiable. It's the difference between building wealth and watching opportunities vanish.

Our Portland hard money lenders don't simply approve loans and disappear. Backed by $4.5 billion in institutional capital and a portfolio of 4,718 successfully funded transactions, we function as your strategic financing partner throughout the entire investment lifecycle. Our team combines institutional lending expertise with hands-on construction knowledge and genuine understanding of Portland's unique market dynamics. Whether you're launching your first renovation in Hawthorne or managing simultaneous developments across Multnomah County, Portland investors choose Unitas because we architect financing solutions around your specific deal structure rather than forcing your opportunities into standardized lending boxes.

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Fast, Reliable Capital for Your Next Real Estate Deal

Properties move fast. Desirable assets in walkable neighborhoods generate bidding wars within 48 hours, foreclosure auctions require immediate capital proof, and off-market pocket listings close or disappear before traditional lenders finish their initial review. We deliver private loans for Portland real estate investors with closing capabilities as rapid as 10 business days, interest rates starting at 9.25%, and loan-to-cost financing up to 92.5% on qualifying opportunities. Our underwriting methodology prioritizes property fundamentals and your investment strategy, not inflexible credit formulas that delay approvals and eliminate your competitive edge.

Fix & Flip Loans

Fix & Flip Loans

Portland's diverse housing stock creates continuous opportunities for strategic renovations. From craftsman bungalows to mid-century ranches, the city offers investors consistent value-add potential. Our fix and flip financing covers acquisition and rehabilitation through After Repair Value (ARV) underwriting, enabling you to purchase properties confidently and execute improvements that maximize resale margins. We structure terms around your specific timeline and exit strategy, offering 12-, 18-, and 24-month options with interest-only payments that preserve working capital during construction. Whether you're restoring character homes in Irvington or modernizing properties in Beaverton, our draw management system maintains capital flow throughout your project, processing requests within 24-48 hours after inspection verification.

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New Construction Loans

New Construction Loans

Ground-up development demands lenders who genuinely understand construction complexities and Portland's unique regulatory environment. Our new construction funding supports single-family spec projects and multifamily residential developments throughout Portland and surrounding communities. We provide staged capital disbursements synchronized with construction milestones and independent inspections, aligning funding with your actual build progression. Our underwriting team evaluates projects based on market fundamentals and your development track record, not generic formulas that ignore Portland's neighborhood-specific demand characteristics and zoning complexities.

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Bridge Loans

Bridge Loans

Timing gaps between property transactions create opportunities for investors with access to short-term capital. When you need to secure a property immediately while finalizing permanent financing, repositioning an existing asset, or transitioning between investment strategies, our bridge loans deliver 6-12 month terms optimized for speed and flexibility. Portland investors deploy gap financing to capture time-critical opportunities, stabilize properties before rental portfolio integration, or maintain transaction momentum between asset dispositions and new acquisitions. We customize terms to your particular circumstances, providing transparency and execution certainty when timing determines success.

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DSCR Loans

DSCR Loans for Rental Properties

Building rental portfolios in Portland requires financing that supports systematic growth in one of the nation's strongest rental markets. Our Debt Service Coverage Ratio (DSCR) loans qualify based on property income production, not personal income documentation. Whether you're acquiring short-term rentals in the Pearl District, mid-term rentals serving tech sector relocations, or traditional long-term properties in Lake Oswego, we underwrite using the property's cash flow generation capacity. This asset-based framework eliminates the documentation burden of conventional lending while providing capital to expand your portfolio strategically.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Unitas operates at the intersection of institutional financial strength and entrepreneurial agility. Our $4.5 billion funding history provides the capital depth and reliability you expect from major lenders, while our direct lending model delivers the responsiveness and customization you need from a committed partner. Traditional banks require 30-45 days for approval cycles. We close in as few as 10 business days. Smaller private money lenders face capital constraints. Our Portland hard money lenders maintain resources to fund multiple concurrent transactions and support your growth as your investment volume expands.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Conventional lenders operate within rigid underwriting frameworks that automatically reject deals failing to meet standardized criteria. We employ a fundamentally different approach. Our underwriting team evaluates each transaction individually, examining property fundamentals, Portland market conditions, and your specific exit strategy. This flexibility enables creative structuring for complex opportunities, term modifications matching your project timeline, and approval solutions when other lenders decline. Our focus is transparency and clarity, not arbitrary restrictions that limit your investment potential.

  3. Certainty from a Direct Lender.
    When Unitas approves your loan, that approval represents genuine commitment. As a direct lender owning our capital and controlling underwriting decisions, you avoid secondary approval committees and the uncertainty of conduit lenders who sell loans to third-party investors. This direct relationship provides stability during market volatility and guarantees that approved transactions receive funding. Our institutional backing and direct lending structure proved particularly valuable during the April 2022 market disruption, when conduit lenders faced funding freezes while direct lenders like Unitas continued funding projects without interruption.

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

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Get Pre-Approved in 24 Hours!
Ready to move forward with your investment? Fill out the form below to start your pre-approval. Our Portland hard money lenders will review your project and deliver a preliminary term sheet within 24 hours. That gives you the certainty to make competitive offers and close deals quickly. Whether this is your first flip or your fiftieth rental property, Unitas Funding provides the capital, expertise, and partnership Portland investors need to succeed.

Frequently Asked Questions

What types of investment properties do you finance?

We finance residential investment properties including single-family homes, multifamily buildings, condos, and townhomes used for fix-and-flip, rental income, or new construction. All private loans for Portland real estate investors are business-purpose only, structured for LLCs and corporate entities, not individual owner-occupants. We serve Portland and surrounding areas including Beaverton, Hillsboro, Gresham, Tigard, and Lake Oswego. 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 Portland 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 beats traditional bank financing, which typically requires 30-45 days minimum. Speed is a core differentiator for Unitas, enabling Portland investors to compete effectively in time-sensitive situations.

What are your loan-to-cost ratios for Portland 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 enough 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 Portland do you serve?

We serve Portland and the greater metropolitan area including Beaverton, Hillsboro, Gresham, Tigard, Lake Oswego, Oregon City, and surrounding Multnomah, Washington, and Clackamas 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 Portland Real Estate Investment?

Sometimes, markets move too fast for slow capital. While your competitors wait weeks for bank approvals, you could already be under contract with Unitas backing your offer. Our Portland hard money lenders have funded 4,718 deals because we understand what investors need. Speed without sacrificing certainty. Flexibility without hidden surprises. Institutional backing without institutional bureaucracy. Tell us about your next deal and we'll show you exactly how we can help you close it.


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