Corvallis, OR · BENTON County County · 2026 Population: 60,275 · NMLS #2827624 · AZ CMB #CMB-2016143

Corvallis, Oregon DSCR, Hard Money, Fix & Flip & 5–25+ Unit Multifamily Loans

Corvallis, OR Local Underwriting Snapshot (BENTON County County): With a 2026 population of 60,275, Corvallis carries an effective property tax rate of 0.96%, a median 1–4 unit investment property price of $490,000, and a median market rent of $3,300/mo. At 75% LTV ($367,500 loan amount), estimated monthly PITIA is $3,008/mo, yielding an estimated baseline DSCR of 1.10x. For 5–25+ unit apartment buildings in Corvallis, typical valuation averages $205,800/door with $1,850/mo/door market rents.

County & 2026 PopulationBENTON County County (60,275)

Effective Property Tax Rate0.96% ($392/mo)

Median 1–4 Unit Price & Rent$490,000 · $3,300/mo

5–25+ Unit Multifamily Avg$205,800/door · $1850/mo

OR Foreclosure & SecurityNon-Judicial (Oregon Trust Deed Act) (130–160 days)

Corvallis, OR Pre-Populated Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $490,000·Loan/Door: $367,500·Avg Rent/Door: $3,300/mo

Property Value / Purchase Price$490,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$3,300/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 113 bps · 7500 bps LTV · 6625 bps Rate

1.13x

1.00x Breakeven DSCR Eligible (1–4 Units)

Loan Amount (75% LTV)$367,50036,750,000 _cents

Monthly P&I Debt Service$2,353/mo@ 6.625% Note Rate

Total Monthly PITIA$2,917/moTax: $392 · Ins: $172

Net Monthly Cash Flow+$383/mo$4,600/yr net

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$2,917/mo	1.13x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$2,978/mo	1.11x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$2,707/mo	1.22x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender.

Corvallis, OR Short-Term Rental (STR), ADU & Legal Underwriting Notes

Local Municipal & Zoning Guidance: Wholesale DSCR and multifamily lenders in Corvallis (BENTON County County, OR) underwrite both 12-month long-term leases (Form 1007 / Form 1025) and compliant short-term rentals (Form 1007 STR / 12-month booking ledger) subject to local municipal registration.

Oregon Statutory Security Instrument: Loans in Corvallis (BENTON County County) are secured via Deed of Trust (Power of Sale) under Oregon's Non-Judicial (Oregon Trust Deed Act) framework (130–160 days). Insurance underwriting note: Standard DP-3 landlord dwelling fire, general liability & rent-loss coverage required..