201-942-9089 info@abl1.net

Oregon Hard Money Lenders

The Premier Oregon Hard Money Lender

Funding your real estate investment doesn’t have to be difficult- that’s why Asset Based Lending offers fast and simple hard money loans. As top hard money lenders in Oregon, we provide real estate investors loans for fix and flips, new construction, stabilized properties, and loans for rental property. ABL uses a fully in-house team for our bridge and term programs while partnering with the best local appraisers, attorneys, and title agents in Oregon. ABL has helped thousands of investors grow their business nationwide. Here’s what you can expect from partnering with ABL’s private lenders in Oregon:

  • Quick closings – as fast as 2 days with appropriate paperwork
  • Flexible underwriting – loan programs designed for investors, by investors
  • Transparent communication – no hidden fees or surprise costs
  • Full service – a one-stop shop for all your lending needs

Prequalify Today

Prequalify for your loan today or call us at (201) 942-9090. We approve loans as fast as 24 hours. Our Oregon private money loans can fund the following projects:

Torin Francis
Loan Officer

(201) 942-9089sales@abl1.netView Bio

Maryem Haddoumi
Loan Officer

(201) 942-9089sales@abl1.netView Bio

ABL Lends in: ABL lends in all of Oregon, pending property and borrower underwriting
Arkansas hard money lender
Torin Francis
Loan Officer

Coming Soon.

Maryem Haddoumi
Loan Officer

Coming Soon.

“They’re more than just a lender to me, they’re a partner of mine.
Harry went from first-timer to full time real estate investor with ABL by his side. Hear his story and see what The ABL Difference can do for you.
“Anyone who wants to get into this business, go with ABL. They’re the best.
Ameer is a police officer looking to retire early through real estate investing. Hear how ABL is helping him succeed with his plan.

Experience The ABL Difference

See why thousands of local real estate investors trust ABL to be their real estate financing partner.

OR Real Estate Market Highlights



June 2023


46 Days

June 2023



March 2023



June 2023



July 2023


3.7% June 2023

Local Information For Oregon Real Estate Investors

The Oregon real estate market has experienced some notable changes so far in 2023. Residential property values experienced a 0.55% decrease when compared to the previous year, with a median selling price of $501,600. The annual average revealed a 22.3% decline in the number of homes sold, totaling 3,897 transactions in September of the current year—reflecting a reduction from the 5,016 homes sold in the same month last year. The median duration that homes remained on the market was 29 days. In September 2023, a 0.3-point increase from the previous year was observed, with 28.1% of residences in Oregon being sold above their listed prices. On the other hand, the percentage of homes experiencing price reductions decreased from 39.0% in September of the previous year to 37.3%. Additionally, the sale-to-list price ratio declined by 0.054 points year over year to 99.0%.

Recommended Cities For Oregon Real Estate Investing


The state capital of Oregon where demand exceeds supply, Salem has a lot of historic sites, parks, and numerous local businesses. The city offers a blend of urban and suburban living and is a seller’s market in June 2023. The median sell price of homes in Salem, OR is $424,951, a 2.7% increase compared to last year. The average sale time for a home in Salem is 40 days as of June 2023, where 34% of those were sold over asking, 24% at asking, and 42% under. The inventory of homes for sale in Salem between May 2023 and June 2023 has increased by 5.9%. With a steady economy and new residents, the opportunity to invest in rental property can yield a high ROI as Salem’s real estate potential lies in its diverse residential properties along with growing demand. Taking advantage of Salem’s increasing rental property means higher profitability for the borrower.


Portland, Oregon is famous for its nature and bikeability. The lush and greenery all year long makes this city a prime area to invest. However, there has been a significant decrease in closed sales, pending sales, and new listings over the last year in June 2023. The median home sale price is $530,000, where homes are on the market for an average of 33 days. The changes in buyer preferences in Portland, Oregon are attributed to economic conditions and housing supply. The number of closed sales in June 2023 was 2,085, an 808-decrease compared to the previous year. Among Portland residents there is a homeowner vacancy rate of 1% and a rental vacancy rate of 2.4% from a total of 277,499 units as of July 2023. As a vibrant real estate hub and the largest city in Oregon, Portland is projected to gain traction from the rest of 2023 into 2024.


Eugene’s proximity to central Oregon, the mountains, and the coast of the state makes investing in this city accessible to many recreational activities. The median sold price from June 2022-2023 has decreased 3.3%, totaling $493,000 based on all homes sold in Eugene, OR in the last 12 months. The number of homes sold from June 2022 to June 2023 also decreased by 21.5%, going from 225 to 179. Homes in Eugene are on the market for a median of seven days. From April-June 2023, 41% of Eugene homebuyers searched to move out of the city, while 59% looked to stay within the metropolitan area. Eugene is a great mix of urban and suburban feel with a thriving local arts and culture scene that is forecasted to accelerate by 4% in May 2024.

Recently Funded Fix & Flip Projects

Smoke Rise, GA Fix & Flip

Borrower Profile: Repeat Borrower – Full-Time Real Estate Investor Work Description: Gut Renovation — Single-Family Detached Purchase Price: $667,000 Renovation Budget: $201,000 Loan Amount: $753,500 Loan Purpose: Purchase & Rehab ARV: $1,130,000

Summerville, South Carolina Fix & Flip

Borrower Profile: Repeat Borrower – Full-Time Real Estate Investor Work Description: Cosmetic Renovation — Single-Family Detached Purchase Price: $165,000 Renovation Budget: $74,500 Loan Amount: $214,000 Loan Purpose: Purchase & Rehab ARV: $370,000

Rahway, New Jersey Fix & Flip

Borrower Profile: First-Time Borrower – Full-Time Real Estate Investor Work Description: Cosmetic Renovation — Mixed Use Purchase Price: $375,000 Renovation Budget: $65,000 Loan Amount: $185,000 Loan Purpose: Loan Refinance & Property Rehab ARV: $780,000

Kennebunk, Maine Fix & Flip

Borrower Profile: First-Time Borrower – Experienced Real Estate Investor Work Description: Cosmetic Renovation — Multifamily 4 Purchase Price: $485,000 Renovation Budget: $120,000 Loan Amount: $464,000 Loan Purpose: Purchase & Rehab ARV: $665,000

Oregon Fix And Flip Hard Money Loans

OR Hard Money Loans Are Financing Your Oregon Fix And Flips

Asset Based Lending specializes in fast financing for fix and flip investors with a focus on flexible underwriting that allows us to work with several different types of rehab projects. We’re able to close our rehab loans in 10 days or less on average, so you’ll never miss out on a potential deal. These 12-month interest-only bridge loans allow Oregon investors the ability to acquire property and begin renovating with the most competitive rates on the market, including the industry’s only true zero-point program. ABL offers funding that covers up to 85% of the purchase price and 100% of the rehab costs. Whether you’re working on your first fix and flip or are a seasoned professional, ABL is ready to finance your project. Click to learn more about our Oregon fix and flip loans.

Why Oregon Investors Choose Fix And Flips

Fix and flips are one of the most consistent and reliable forms of real estate investing, offering profits that allow investors the opportunity to funnel that capital into their next projects. Flipping homes in Oregon is easier in 2023 than flipping homes in 2021’s competitive market. The average fix and flip profit was 26.9% in Q2 2023. More than one-third of real estate investors use outside financing for their projects, with OR hard money lenders being the preferred choice for bridge loans since investors can both close and exit the deals quickly.  Our fix and flip loans focus on closing in 10 days on average, so our borrowers never miss an opportunity due to financial delays. Whether you need to close fast, are seeking flexible loan terms, or another lender simply dropped the ball, ABL is here to help.

Using Hard Money Loans For Fix And Flips

Financing a fix and flip investment requires a lending partner that can close fast and offer a variety of loan options. That’s why so many real estate investors prefer hard money loans for fix and flips, as this type of financing can close in less than two weeks and comes with flexible loan terms. For example, Asset Based Lending has closed loans as quickly as two business days with the appropriate paperwork. These efficient loans allow fix and flip investors the opportunity to secure deals that would normally be missed if using another financing option. Oregon hard money loans are also less stringent with its documentation requirements – aside from recent bank statements and credit check, hard money lenders forego documents such as tax records or income verification. Investors that have tried borrowing from a bank or other traditional financial institutions know the pushback – the projects are inherently risky and banks typically don’t want to involve themselves. Or if they do choose to lend, its an agonizingly long process with loan stipulations such as prepayment penalties or intensive documentation requirements that end up hurting the deal too much for the investor. When it comes to fast and efficient lending for fix and flips, hard money loans are the best option for borrowers, and no lender does it better than Asset Based Lending.

Recently Funded New Construction Projects

Avon North Carolina New Construction

Borrower Profile: Repeat Borrower – Experienced Investor Work Description: New Construction – Single Family + Guest House Purchase Price: $419,000 Construction Budget: $754,000 Loan Amount: $997,000 Loan Purpose: Land Purchase & New Construction ARV: $2,483,000

Cape Coral, FL Cash Out & Construction

Borrower Profile: First-Time Borrower – Experienced Real Estate Investor Work Description: New Construction – 3 Single-Family Homes Purchase Price: $285,000 Renovation Budget: $579,793 (Construction) Loan Amount: $735,000 Loan Purpose: Cash Out & New Construction ARV: $1,216,000

Knoxville, TN New Construction

Borrower Profile: First-Time Borrower – Full-Time Real Estate Investor Work Description: New Construction – 4 Single-Family Homes Purchase Price: $85,000 Renovation Budget: $680,000 (Construction) Loan Amount: $650,000 Loan Purpose: Property New Construction ARV: $1,360,000

Atlanta, GA New Construction

Borrower Profile: First-Time Borrower – Newer Real Estate Investor Work Description: New Construction – Single-Family Home Purchase Price: $40,000 Renovation Budget: $425,000 (Construction) Loan Amount: $395,000 Loan Purpose: Property New Construction ARV: $680,000

Oregon New Construction Hard Money Loans

Loans For Oregon New Construction

ABL provides hard money loans for new construction to real estate investors that are seeking competitive interest rates, fast draw turnarounds, and flexible underwriting. These 12-month new construction bridge loans are available to experienced investors, builders, and developers who can borrow up to 70% of the land value and 100% of the construction costs. ABL tailors our ground up construction loans to match each individual project, ensuring the borrower receives the best loan terms for their business strategy. We assess the investor’s experience level and the viability of the project to determine whether the deal is profitable for all parties. Whether you’re looking to finance the ground up construction of single family or multifamily projects, ABL is ready to discuss your upcoming deals. Click to learn more about our new construction loans.

Oregon New Construction Investment Information

Oregon has a current growth rate of .89% as of 2023, making the state rank 22nd in the country. Single-family home construction slowed down in Portland in 2022. Permit activity data from the U.S. Census Bureau for single-family detached homes dropped from 536 in January 2022 to 375 in January 2023, a 30% year-over-year decrease in Portland, Oregon. Because the city has pretty tight urban growth boundaries new single-family construction has plummeted since its May 2022 peak. Construction for multi-family homes however, increased in 2022. In Q1 2023 there were 698 housing permits issued for buildings housing two or more units in comparison to 569 permits the year prior, a 23% increase in the last 12 months. If you’re ready to use Oregon construction loans to scale your real estate business, then contact us today.

Choosing Asset Based Lending For New Construction Loans

The constant feedback from investors that utilize ABL had money loans for new construction is the fast time to close and loan flexibility. A slower close time or stricter loan parameters would hurt their ability to scale their real estate business as quickly as they desire. By securing financing quickly with terms that are investor friendly, builders and developers can leverage ABL construction and control more of the market share in the areas they invest in. While some investors seek out bank financing or private money loans, they realize the slow nature and strict guidelines of bank loans or lack of reliability from a private money lender ends up costing them deals or more issues instead of making things easy. Working with a lender that’s ready to work as fast as you is invaluable, ensuring you can grow and scale your real estate business at whatever pace you’re comfortable with. Asset Based Lending is run by real estate investors, so we strive to create a seamless loan process that allows investors to receive their financing quickly and focus on the project at hand. As direct hard money lenders with full control of our capital, we’re able to lend on various new construction investments and use flexible underwriting to ensure our borrowers receive their best potential loan. Whether you’re looking to build a few homes a year or you’re ready to scale to multifamily development, then contact us today to discuss your upcoming projects.

Oregon Rental Loans & Cash Out Refinancing

DSCR Loans for Oregon Rental Property

Asset Based Lending offers simple and reliable Oregon rental loans. These term rental loans are designed for buy and hold investors that want to secure properties between 1-8 units or refinance an entire rental portfolio. We offer competitive terms with rates starting as low as 6.875% with leverage up to 80% LTV. Our goal is to provide the most flexible rental loan options to our borrowers including 30-year amortization, ARM, and interest-only options. ABL offers a variety of rental loan options with single rental loans up to $3M and rental portfolio loans up to $3M. These loans for rental property are available to investors of all experience levels, assessing each deal based on the income-producing viability of the property. We also offer the ability to use our bridge program to complete property rehab or finance ground up construction before refinancing into a long-term rental loan, making us a one-stop shop for Oregon real estate investors. Click to learn more about our rental loan programs.

Oregon Rental Markets

Home prices in Oregon have remained strong while housing demands have decreased year over year. Understanding the level of competitiveness in the market is important for both buyers and sellers to decide whether to invest. In April 2023, 34.2% of homes in Oregon sold below the listing price, representing a 24.7- point decrease compared to the previous year. Additionally, the percentage of homes with price drops increased from 22% in April last year to 25.2% this year. The housing market forecast for Oregon shows varying trends and growth rates. Portland, OR is expected to see a modest increase in home prices, with a projected growth rate of 0.1% by the end of July 2023 and a 1.6% increase by May 2024. Salem, Oregon is expected to increase more significantly than Portland in the coming year, with an expected growth rate of 4.2% by April 2024. The housing forecast for Eugene, OR also shows positive growth in home prices with a 4% increase in April 2024. While interest rates have risen in Oregon over the last few months, they are still historically low compared to previous decades. While some buyers may be priced out of the market because of higher rates, there are many who can afford to buy homes. The Oregon rental market is expected to experience moderate growth by 2024, making it a good choice to invest now and build your real estate portfolio.

Oregon Stabilized Bridge Loans

Hard Money Bridge Loans for Stabilized Property

With the real estate markets shifting in different directions, such as the cooling down of home sale prices and rising interest rates on rental loans, some borrower’s exit strategies need to shift with it. That’s why Asset Based Lending now offers bridge loans for stabilized properties, allowing borrowers the option to reposition their investment and wait for market conditions to match their desired exit. These bridge loans are designed for investors who have recently completed a renovation or ground up construction but believe market conditions don’t favor their current exit strategy, so they decide to hold the property as a rental. Or maybe you’re an investor that’s looking at turnkey rental property that you may eventually sell or refinance when mortgage rates come down in the future. Either way, you need an interest only loan without pre-payment penalties to bridge the gap.

How Do These Stabilized Bridge Loans Work?

Our 2-year debt service coverage loans can help bridge your financing for up to 24 months with no prepayment penalty, so you can exit the loan whenever you’re ready. With extensions available for an additional fee, we’ll make sure you’re properly financed from start to finish so that you have time to determine your final exit strategy and capitalize on your investment at the right time. We can provide stabilized financing for properties up to 20 units, using the lesser of either market rent or leased rent to determine the DSCR and deliver you competitive loan terms. While all loans are different and structured to meet the individual investor’s needs, the typical stabilized loan is a 2-year interest-only loan with rates starting at 10.5% and LTV up to 65%-70%. Loan terms are determined based on factors such as borrower experience, FICO score, and DSCR, using the lesser of either market rent or leased rent to determine your DSCR. If you have a deal that requires temporary bridge financing, then contact us today.

Why Choose ABL?

We are Local Private Hard Money Lenders

  • We understand your local real estate conditions
  • We use local appraisers, title agents and closing attorneys

We are a Direct Lender

  • We use our in-house money to fund your loans
  • We directly control our approvals and closings

We are Reliable and We Close Fast

  • Preliminary approval in 24 hours
  • Close in 7-10 days

We Manage the Draw Process Efficiently & Quickly

  • We help create and approve your draw schedule
  • We use local inspectors to assess your progress
  • We quickly release your funds when an inspection is approved

Asset Based Lending, LLC was founded in 2010 and is a leading local source of hard money in the residential real estate market. We have consistently received praise from our borrowers who emphasize our quick, hassle-free closings, favorable terms, and creative financing solutions.

Fill out our Pre-Qualification form to start the process.