Oregon Commercial Real Estate Loans
Oregon’s commercial real estate market spans two distinct economies: the Portland metro — a mid-size Pacific Northwest city with strong multi-family and industrial fundamentals — and a statewide network of smaller markets tied to agriculture, timber, outdoor recreation, and regional trade.
We originate commercial real estate loans for Oregon investors across the full property spectrum: 5+ unit multi-family, mixed-use, office, retail, industrial, and self-storage.
Commercial real estate loans qualify on the property’s cash flow, not personal income documentation. No tax returns required.
We are a nationwide private commercial lender — commercial loans are available in all 50 states and are not subject to the state licensing restrictions that apply to our residential mortgage products.
Check Commercial Loan Eligibility Talk to a Commercial Specialist — (833) 350-9185Oregon Commercial Markets We Serve
Portland Metro Portland is the Pacific Northwest’s second-largest commercial market after Seattle. Multi-family demand is underpinned by tech sector employment, healthcare (OHSU, Legacy, Providence), and in-migration from California. The inner eastside and close-in neighborhoods have active mixed-use and retail development. Industrial and logistics demand in the Columbia River Corridor and outer eastside is consistently strong. We finance commercial properties across Portland, Beaverton, Hillsboro (Intel/Nike corridor), Gresham, Lake Oswego, and Clackamas.
Salem and the Willamette Valley Salem is the state capital and a regional commercial hub for mid-valley Oregon. Government employment, healthcare, and agriculture-adjacent industrial activity drive multi-family and light industrial demand. We originate commercial loans in Salem, Corvallis, Albany, Eugene, and surrounding Willamette Valley communities.
Central Oregon and Bend Bend has transformed from a regional lumber town to one of the fastest-growing commercial markets in the Pacific Northwest. Multi-family demand outpaces supply; retail and mixed-use development trails population growth. Industrial flex space is an active investment category. We work with commercial investors in Bend, Redmond, and the broader Central Oregon market.
Southern Oregon and the Coast Medford and the Rogue Valley have a stable agricultural and healthcare economy. Coastal commercial properties in Lincoln City, Newport, and Astoria serve tourism-adjacent retail and mixed-use uses. We originate commercial loans across Southern Oregon and coast communities.
Property Types We Finance in Oregon
| Property Type | Min Loan | Typical LTV | Notes |
|---|---|---|---|
| Multi-family (5+ units) | $500K | 70–75% | Apartment buildings, garden-style, mixed residential |
| Mixed-use | $500K | 65–75% | Retail/residential combos; commercial first floor + apartments |
| Office | $750K | 65–70% | Medical, professional, flex-office |
| Retail | $500K | 65–70% | Strip centers, NNN single-tenant, neighborhood retail |
| Industrial / warehouse | $750K | 65–75% | Light industrial, flex, logistics |
| Self-storage | $1M | 65–70% | Existing stabilized facilities |
Typical Loan Terms
| Feature | Range |
|---|---|
| Loan amounts | $500,000 – $10,000,000+ |
| Term | 5, 7, or 10-year fixed with 25–30 year amortization |
| LTV | 65–75% depending on property type |
| DSCR minimum | 1.20–1.30 |
| Close time | 45–75 days |
| Income docs | Not required — property cash flow qualifies |
| Vesting | LLC preferred; single-asset SPV standard |
| Reserves | 6–12 months operating + capex |
Frequently Asked Questions
Related Programs
- Commercial Loans (Nationwide) — Full program overview, all 50 states
- Oregon DSCR Loans — 1–4 unit residential investment properties
- Oregon Bank Statement Loans — Self-employed borrower residential program
- Oregon Mortgage Programs — All products available in Oregon
Check Commercial Loan Eligibility Talk to a Commercial Specialist — (833) 350-9185
1st Nationwide Mortgage, NMLS 1281. Commercial real estate loans subject to property underwriting, sponsor qualification, and lender approval. Terms, LTV, and DSCR minimums vary by property type and loan amount. Not all applicants or properties will qualify. Commercial loans are available in all 50 states and are not subject to residential NMLS licensing restrictions.
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Talk to a licensed loan officer about your options — no obligation.