Top Private Money Lenders in Happy Valley & Clackamas

We Fund Real Estate Investment Projects in Clackamas County

Great Quality of Life = Booming Real Estate Market

Strong market even during fluctuating housing periods

AIC has been serving Happy Valley and Clackamas for over 35 years. One of the most desirable places to live in the Portland area, Happy Valley is indeed a happy place to live! It provides quick access to Portland while maintaining its rural appeal. Happy Valley is also close to Milwaukie, Clackamas Town Center, and the airport. It’s a perfect location for families looking for a peaceful lifestyle or for those seeking outdoor activities on the Clackamas River and Mt. Hood. As of May 2022, home prices in Happy Valley were up over 17% and selling for a median of $695,000.

Just a bit south of Happy Valley is unincorporated Clackamas, a community of over 7,000. Located about 10 miles southeast of Portland’s downtown, Clackamas boasts easy access to the city as well as the mountains. Centered around Interstate 205 and Oregon Routes 212, 213, and 224, Clackamas is also served by TriMet buses. In May 2022, Clackamas home prices were up almost 13% compared to last year, selling for a median price of $586K.

The great quality of life keeps attracting people to Happy Valley and Clackamas so this strong market is ideal for investors. AIC specializes in funding real estate investments in Happy Valley and Clackamas including rehab projects and new construction. Give us a call so we can help secure funding for your next project!

Hard Money Loans We Offer

New Construction

Lot Partitions



Bare Land

Partially Complete

Effortless and Efficient!

“I am writing to wholeheartedly recommend Austin, Mike, and the AIC team. I have partnered with AIC on four projects in Portland and hope to partner on many more deals with them in the coming years. Mike and Austin always are true to their word and have empowered me to turn my investment vision into reality. AIC will be my lender of choice, and should be yours too.”

– Jordan Tietz


Why Partner With AIC?

Experience: Established 35 years ago, AIC has the knowledge and the skills to fund common-sense real estate loans in Oregon.

Personalized Service: Our small team of friendly experts tailor loans to the individual needs of our clients. Clients work with one person throughout the entire process to ensure a personalized touch.

Fast Funding: Our nimble team performs a variety of tasks in-house, such as underwriting and document-drawing, and we generally do not require an appraisal. Our process is easy and quick – we can usually close in 5-10 days if a complete file is provided.

No Junk Fees: AIC never charges any upfront fees or “junk fees” like document prep, underwriting, service fees, etc. We take pride in honest lending practices.

Competitive Rates: AIC provides both exceptional service and rates/fees that are competitive in the market.

No Draw Fees: AIC never charges any fees for construction draws or inspections. AIC typically processes construction draws the same day they are received.

Ready to Talk?

How We Work

Are you new to real estate investment or private money lenders? AIC is always accepting quality loan requests for a variety of projects. Learn a bit about our process. Questions? Call us!

Get In Touch

Simply give us a call or fill out our form. We’ll assess your situation and provide a realistic evaluation.

As a direct lender, we can approve loans immediately and issue pre-approvals – no waiting, no middleman.


Once we’ve determined your project is a good fit, we’ll send the loan application. AIC doesn’t request debt to income ratios, bank statements, or typical documents that ordinary lenders need. Simply apply with our easy form.

Receive funding

We’ll open escrow once we have your application. You can sign at escrow and we’ll close and fund on the same day. It takes a few business days to receive the title report and to order loan documentation. Our process is streamlined and fast!

Pay the bill

It’s easy to pay your bill!

ACH payments are our preferred method, due to their convenience, fast processing time, and security.

We also take checks and cash.

Real Estate Investment Case Studies

See real results that our loans and guidance have achieved