DSCR Loans in Oregon
Last updated: May 2026
Oregon was the first state in the nation to enact statewide rent control (2019), capping annual increases at 7% plus CPI for buildings older than 15 years. While this adds a layer of complexity for investors, the Portland metro and other Oregon cities still offer solid rental demand driven by tech employment, healthcare, and a constrained housing supply.
Property Tax
0.87%
State Income Tax
4.75% - 9.9%
Landlord Friendly
Less
Eviction Timeline
45-90 days
Property Taxes in Oregon
Oregon has no sales tax, but property taxes are a primary revenue source. Multnomah County (Portland) averages about 1.07%, Lane County (Eugene) around 0.95%, and Deschutes County (Bend) approximately 0.73%. Measure 5 and Measure 50 cap assessed value growth, which benefits long-term holders.
Insurance Costs
Typical investment property insurance in Oregon runs $1,350/yr. Wildfire risk in southern and central Oregon (particularly near Bend and Medford) has increased insurance costs and limited carrier availability. Earthquake risk from the Cascadia Subduction Zone is also a consideration for properties in the Willamette Valley and along the coast.
Landlord-Tenant Laws
Oregon is less landlord-friendly due to statewide rent control and expanded tenant protections. No-cause evictions are prohibited after the first year of tenancy, and landlords must pay relocation assistance in certain eviction scenarios. Nonpayment evictions require a minimum 10-day notice (increased from previous timelines), and court scheduling can stretch the total process to 45 to 90 days.
Note: Oregon has some form of rent control or rent stabilization in effect.
Top Investment Markets in Oregon
Portland
Largest metro with strong tech sector (Intel, Nike, tech startups) and a chronic housing shortage that supports rental demand despite rent control.
Salem
State capital with government employment and a lower cost of entry than Portland; growing as a commuter alternative.
Bend
High-demand lifestyle market with strong STR potential from outdoor tourism; limited inventory keeps long-term rents elevated.
Eugene
University of Oregon anchors a consistent student-rental market, with healthcare and tech adding employment diversity.
Medford
Southern Oregon's largest city with affordable prices and a healthcare-driven economy.
DSCR Considerations in Oregon
Oregon's rent control law caps your upside on annual rent increases, which lenders may factor into long-term DSCR projections. On the positive side, properties less than 15 years old are exempt from rent caps, so new construction can be an attractive DSCR strategy here. High state income taxes mean the no-income-verification benefit of DSCR loans is especially valuable for Oregon investors with complex tax situations.
Run the numbers for Oregon
Use our free DSCR calculator to see if your Oregon investment property pencils out.
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