Effective Date: October 8, 2026
Last Updated: October 8, 2026
These Terms and Conditions (“Terms”) govern your access to and use of ibuyhouseswithfiredamageportland.com (the “Website”) and services offered through the Website by I Buy Houses With Fire Damage Portland (“we,” “us,” or “our”).
By accessing the Website, submitting property information, requesting a cash offer, or otherwise interacting with our services, you agree to these Terms and acknowledge our Privacy Policy.
1. Purpose of the Website
The Website allows property owners and authorized representatives to submit information concerning real estate they may wish to sell, including:
- Fire-damaged property;
- Smoke-damaged property;
- Water-damaged property;
- Structurally damaged property;
- Distressed property;
- Vacant property;
- Tenant-occupied property;
- Inherited property;
- Probate or estate property;
- Property facing foreclosure;
- Property subject to liens;
- Property requiring cleanup;
- Property requiring significant repairs; and
- Other residential or investment property.
Depending on the property and transaction, we may:
- Evaluate the property;
- Purchase or seek to purchase it directly;
- Make or facilitate a potential cash offer;
- Conduct or arrange due diligence;
- Coordinate cleanup or repair professionals where agreed;
- Enter into a purchase agreement;
- Acquire contractual or equitable rights;
- Assign contractual rights where legally and contractually permitted;
- Engage in residential property wholesaling when properly registered or licensed and otherwise compliant;
- Work with licensed Oregon real estate professionals where legally required; or
- Decline the opportunity.
Nothing displayed on the Website constitutes a binding offer to purchase real estate.
2. Our Role
The Website presently markets our business principally as a direct purchaser of fire-damaged real estate in Portland.
Depending on the actual transaction, we may act as:
- A prospective principal purchaser;
- A real estate investor;
- A property-acquisition business;
- A contract purchaser;
- A holder of contractual or equitable rights;
- A registered or licensed residential property wholesaler where applicable;
- An affiliate or co-investor with another purchaser; or
- Another lawful transaction participant.
Our role depends on the facts and executed transaction documents.
Unless separately and lawfully established, we do not act as your:
- Real estate broker;
- Seller’s agent;
- Attorney;
- Accountant;
- Tax adviser;
- Financial adviser;
- Insurance adviser;
- Insurance consultant;
- Public adjuster;
- Insurance adjuster;
- Contractor;
- Engineer;
- Appraiser;
- Fiduciary;
- Housing counselor;
- Mortgage broker;
- Mortgage lender;
- Mortgage servicer;
- Loan-modification provider;
- Foreclosure consultant;
- Debt-relief provider; or
- Other professional adviser.
3. Direct Purchase Model
Where we seek to purchase property for our own account:
- Our economic interests may differ from yours;
- We may seek a purchase price that accounts for damage, repair costs, holding costs, transaction expenses, risk, and investment return;
- We negotiate for ourselves unless another written relationship expressly states otherwise; and
- We do not automatically owe you the duties of a seller’s broker, fiduciary, appraiser, financial adviser, insurance professional, or attorney.
4. No Obligation to Sell
Submitting information or requesting an offer does not obligate you to sell.
A Website submission is an inquiry, not a purchase agreement.
You may reject a proposed offer unless and until you enter into an enforceable transaction agreement, subject to any statutory or contractual cancellation or revocation rights.
5. No Obligation to Purchase
Submitting property information does not require us to:
- Inspect the property;
- Make an offer;
- Maintain an offer;
- Continue negotiations;
- Purchase the property; or
- Complete a transaction.
6. Eligibility and Authority
By using the Website or submitting property information, you represent that:
- You are at least 18 years old;
- You have legal capacity to contract;
- Information you provide is materially accurate to the best of your knowledge;
- You own the property or have lawful authority to communicate concerning it; and
- Your use complies with applicable law.
A submission by one co-owner does not necessarily authorize that person to bind every owner.
7. Agents, Wholesalers, and Other Representatives
The Website’s detailed property form permits submitters to identify themselves as owners, agents, or wholesalers.
If you submit property you do not own, you are responsible for having lawful authority to do so.
Nothing on the Website authorizes:
- Unlicensed brokerage;
- Unregistered residential property wholesaling;
- False claims of ownership;
- Unauthorized advertising of another person’s property;
- Unauthorized disclosure of owner information; or
- Violation of an existing purchase agreement.
8. Property Research
We may research:
- Ownership;
- Recorded deeds;
- Mortgages or trust deeds;
- Liens;
- Judgments;
- Property taxes;
- Foreclosure status;
- Property condition;
- Fire and smoke damage;
- Firefighting-water damage;
- Structural condition;
- Roof and foundation;
- Electrical and plumbing systems;
- Heating and cooling;
- Repairs;
- Building permits;
- Electrical, plumbing, mechanical, or fire permits;
- Code-enforcement records;
- Dangerous-building records;
- Insurance claims voluntarily disclosed;
- Tenant status;
- Probate;
- Home Energy Score information;
- Comparable sales; and
- Other information relevant to evaluating a transaction.
9. Property Assessments
The Website advertises property inspections, fire-damage assessment, structural evaluation, and repair coordination.
An acquisition evaluation may include:
- Visual inspection;
- Photography;
- Contractor review;
- Repair estimates;
- Structural review;
- Environmental review;
- Permit research;
- Code-enforcement research;
- Title review;
- Insurance-document review;
- Tenant review; and
- Other due diligence.
Unless separately agreed and performed by an appropriately qualified professional, an evaluation conducted for our acquisition purposes is not:
- A professional engineering report;
- A home inspection prepared for the seller’s reliance;
- A code-compliance warranty;
- An appraisal;
- An insurance adjustment; or
- A guarantee concerning property condition.
10. Preliminary Offers
Any preliminary:
- Cash offer;
- Estimated offer;
- Property valuation;
- Price range;
- Repair estimate; or
- Similar statement
is non-binding unless incorporated into an enforceable written transaction agreement.
A preliminary offer may change following due diligence.
11. Offer Methodology
Potential offers may take into account:
- Existing condition;
- Fire and smoke damage;
- Structural damage;
- After-repair value;
- Comparable sales;
- Repair expenses;
- Cleanup costs;
- Permit expenses;
- Contractor costs;
- Tenant or occupancy issues;
- Holding expenses;
- Taxes;
- Insurance;
- Closing expenses;
- Market conditions;
- Risk; and
- Expected investment return.
No specific valuation method, market value, offer amount, or financial result is guaranteed.
12. “Fair Market Offer” Claims
The Website describes offers as fair and states that offers may be based on current market values minus repair costs.
Such language does not mean that an offer:
- Equals an independent appraisal;
- Equals retail fair market value;
- Equals the property’s repaired market value;
- Will be the highest offer available;
- Will exceed an offer available through conventional listing; or
- Uses one mandatory formula.
The executed purchase agreement controls the actual price.
13. Binding Transactions
A binding real estate transaction arises only when the applicable parties execute enforceable transaction documents.
Closing may depend on:
- Ownership verification;
- Authority to sell;
- Title;
- Mortgages;
- Liens;
- Judgments;
- Taxes;
- Seller disclosures;
- Residential-property-wholesaling disclosures;
- Statutory cancellation periods;
- Property access;
- Due diligence;
- Probate;
- Foreclosure status;
- Insurance;
- Tenant rights;
- Buyer funding;
- Portland permit or code requirements;
- Escrow; and
- Other legal or contractual conditions.
14. Oregon Seller’s Property Disclosure Law
Oregon maintains a statutory Seller’s Property Disclosure Statement for certain residential transactions.
The disclosure statutes generally apply to specified residential property including:
- Real property consisting of or improved by one to four dwelling units;
- Certain condominium units;
- Certain timeshare property; and
- Certain manufactured dwellings owned by the same person who owns the land,
subject to statutory scope limitations and exclusions.
15. Important Investor-Buyer Limitation
Oregon’s disclosure statute contains an important scope limitation for an investor-purchase business.
The statutory disclosure provisions generally do not apply to otherwise covered residential property where the buyer indicates to the seller that the buyer will use the property for purposes other than as a residence for the buyer or the buyer’s spouse, parent, or child.
Accordingly, a genuine investor acquisition intended for:
- Renovation and resale;
- Rental;
- Redevelopment;
- Assignment;
- Investment; or
- Another non-owner/family residential purpose
may fall outside Oregon’s statutory Seller’s Property Disclosure Statement regime based on the buyer’s conclusive indication of intended use.
This is different from saying that every cash sale is automatically exempt.
The actual buyer, intended use, transaction, and applicable law control.
16. When the Oregon Disclosure Is Required
Where Oregon’s statutory disclosure provisions apply, the seller generally must complete, sign, and deliver the statutory Seller’s Property Disclosure Statement to each buyer making a written offer.
The seller should use the current statutory form.
17. Five-Business-Day Revocation Right
Where the seller issues a required Oregon Seller’s Property Disclosure Statement and the buyer has not waived the applicable revocation right, the buyer generally has five business days after delivery to revoke the offer by delivering a separate signed written notice disapproving the disclosure.
If the buyer closes the transaction, that statutory revocation right ends.
18. Waiver of the Five-Day Revocation Right
Where Oregon law permits it, a buyer may waive the five-business-day revocation right at or before entering into the sale agreement.
The existence of a waiver should be documented in the actual transaction paperwork.
A waiver of a statutory revocation period does not automatically waive:
- Fraud claims;
- Contract representations;
- Title rights;
- Other statutory remedies; or
- Rights that cannot lawfully be waived.
19. Failure or Refusal to Provide a Required Disclosure
If a seller fails or refuses to provide a Seller’s Property Disclosure Statement where Oregon law requires one, the buyer generally retains a statutory right to revoke until closing.
A cash buyer should therefore not assume that an “as-is” clause cures complete failure to provide a legally required disclosure.
20. Seller Disclosure Exclusions
Oregon’s current statutory exclusions include specified transactions such as:
- The first sale of a dwelling never occupied where the required permit statement is provided;
- Certain sales by financial institutions that acquired property as custodian, agent, trustee, through foreclosure, or by deed in lieu;
- Certain court-appointed receivers;
- Certain court-appointed personal representatives;
- Certain court-appointed trustees;
- Certain court-appointed conservators;
- Certain court-appointed guardians; and
- Sales or transfers by governmental agencies.
An exclusion should be confirmed from the facts rather than assumed.
21. Fire Damage Is Expressly Addressed
Oregon’s statutory Seller’s Property Disclosure Statement expressly asks whether the seller knows of material damage to the property or structures from fire, along with other listed events.
Fire damage is therefore directly addressed when the statutory form applies.
22. Insurance Claims, Repairs, and Remediation
The Oregon disclosure form’s instructions state that when an explanation is required concerning a listed condition, the explanation should address relevant matters including:
- Frequency;
- Extent of the problem;
- Insurance claims;
- Repairs; and
- Remediation.
This does not mean every fire-damaged seller must automatically hand over every historical insurance document.
It does mean truthful explanations concerning known material fire damage can require meaningful information about resulting claims, repairs, or remediation.
23. Actual Knowledge and No Warranty
Oregon’s disclosure statement is based on the seller’s actual knowledge at the time of disclosure.
The disclosure form expressly warns that it is not a warranty.
Buyers may independently conduct inspections and due diligence.
24. Disclosure Does Not Replace Other Remedies
Oregon’s seller-disclosure statutes do not eliminate preexisting common-law or statutory remedies such as claims involving:
- Fraud;
- Negligence; or
- Equitable relief.
An “as-is” transaction should therefore not be presented as authorization to make false statements or intentionally conceal material facts.
25. No Universal Fire-Document Dossier
Oregon does not impose one universal rule requiring every fire-damaged property owner automatically to deliver every:
- Fire-department report;
- Insurance file;
- Adjuster report;
- Contractor invoice;
- Engineering report;
- Photograph;
- Permit;
- Repair estimate;
- Remediation record; or
- Inspection report
to every purchaser.
Particular documents may nevertheless be relevant or required because of:
- Seller disclosure explanations;
- Contract provisions;
- Buyer due diligence;
- Insurance requirements;
- Lender requirements;
- Portland permits or orders;
- Escrow requirements; or
- Other law.
26. As-Is Transactions
The Website advertises as-is purchases.
“As-is” generally means the buyer may be willing to accept the property’s present condition without requiring seller repairs.
It does not automatically eliminate:
- Seller disclosures where applicable;
- Fraud or intentional-misrepresentation liability;
- Contractual representations;
- Wholesaling disclosures;
- Foreclosure-rescue protections;
- Federal disclosures;
- Tenant rights;
- Title obligations;
- Portland permits;
- Dangerous-building orders; or
- Other non-waivable legal requirements.
27. No Universal Requirement to Repair Before Sale
Oregon does not impose one statewide rule requiring every fire-damaged residence to be completely repaired before it can be sold.
A fire-damaged property may potentially be transferred in its present condition.
However, separate rules involving:
- Unsafe buildings;
- Building permits;
- Electrical permits;
- Plumbing or mechanical permits;
- Fire and life-safety systems;
- Utility reconnection;
- Demolition;
- Environmental hazards;
- Occupancy;
- Insurance;
- Tenant law; and
- Local ordinances
may affect the property.
28. Oregon Residential Property Wholesaling Law
Oregon regulates defined residential property wholesaling.
Beginning July 1, 2025, a person generally must be:
- Registered as an Oregon Residential Property Wholesaler; or
- Appropriately licensed as an Oregon real estate Broker or Principal Broker
to engage in covered residential property wholesaling, subject to statutory exemptions.
29. Definition of Residential Property Wholesaling
For Oregon’s wholesaling law, covered “residential property wholesaling” generally involves marketing residential property where the marketer:
- Has only an equitable interest or option to purchase;
- Has held that interest or option for fewer than 90 days; and
- At the time of marketing has invested less than $10,000 in land development or property-improvement costs associated with the residential property.
Transaction-specific statutory definitions and exemptions control.
30. Registration
A person engaging in covered wholesaling generally must register with the Oregon Real Estate Agency unless the person holds a qualifying Oregon real estate license or another applicable exemption exists.
The Website’s willingness to receive inquiries from wholesalers does not itself mean we or the submitting wholesaler automatically satisfy Oregon registration requirements.
31. Required Wholesaler Disclosure to Sellers and Buyers
A covered residential property wholesaler must provide Oregon’s required written wholesaler disclosure to:
- Potential sellers before entering a wholesale contract;
- Potential buyers before entering a wholesale contract;
- Brokers or principal brokers assisting the wholesaler in marketing or listing the property; and
- Brokers or principal brokers assisting a potential buyer,
as required by law.
32. Advertising Disclosures
Oregon also requires the wholesaling disclosure to appear in advertising related to a covered residential wholesale transaction.
Social-media advertising may use the specific linked-page mechanism permitted by Oregon’s rules.
A contract holder should therefore not publicly market a covered equitable interest without the required disclosures.
33. Wholesaler Disclosure Must Explain Lack of Legal Title
The required disclosure explains, among other things, that a covered wholesaler:
- Has or will have only an equitable interest;
- Does not have legal title to the property;
- May not be able to directly transfer title;
- May assign the equitable interest for profit; and
- May not necessarily hold a real estate broker or appraisal license.
The disclosure also contains the legally required explanation of equitable interest.
34. Three-Business-Day Wholesaling Cancellation Right
Oregon’s wholesaling regime creates an important non-waivable cancellation right.
A seller or buyer entering into a written residential property wholesale transaction generally may cancel the contract without penalty by delivering written notice before midnight at the end of the third business day after receiving the required residential-property-wholesaler disclosure.
Upon a proper cancellation, applicable earnest money or deposits must be returned as required by law.
This right may not be waived.
35. Failure to Give the Seller the Wholesaler Disclosure
If a covered residential property wholesaler fails to provide the required written disclosure to the seller before entering into the written wholesale transaction, the seller generally may:
- Terminate the contract at any time without penalty before completion as provided by law; and
- Retain qualifying earnest money or deposits paid or deposited by the wholesaler.
Additional damages and attorney-fee consequences may apply where a transaction is terminated because the required disclosure was omitted.
36. Do Not Confuse the Two Wholesaling Cancellation Rules
Oregon’s current law therefore contains two different protections:
- Where the required disclosure is properly delivered, a buyer or seller generally gets the non-waivable three-business-day cancellation period after receipt.
- Where the disclosure was not properly given to the seller before contract, the seller can have a substantially broader termination right and can retain qualifying wholesaler deposits.
Transaction documents should not collapse these separate rules into one generic statement.
37. Contractual Interest Is Not Legal Title
Holding a:
- Purchase agreement;
- Option;
- Assignment right; or
- Equitable interest
is different from holding record title.
A contract holder should not falsely represent that:
- It owns the property;
- It holds legal title;
- Title has already transferred;
- It is conveying the real estate itself when it is only transferring contractual rights; or
- It possesses rights beyond those created by the contract.
38. Assignment Depends on the Contract
Whether a purchase agreement may be assigned depends on:
- The agreement’s language;
- Anti-assignment clauses;
- Required consents;
- Oregon contract law;
- Oregon wholesaling law;
- Oregon real estate licensing law;
- Foreclosure-related restrictions; and
- Other applicable requirements.
Nothing on the Website guarantees assignability.
39. Real Estate Brokerage Activities
Oregon separately regulates professional real estate activity.
Compliance with the wholesaler-registration law does not automatically authorize activities that independently require an Oregon real estate license.
A person acting for another, negotiating another person’s transaction, providing regulated brokerage services, or receiving compensation for licensed activities should separately determine applicable licensing requirements.
40. Insurance Negotiation and Advice
The Website currently advertises “insurance negotiation” and assistance coordinating with insurers.
That language must be interpreted narrowly.
Unless separately and appropriately licensed, we do not:
- Act as your public adjuster;
- Adjust your fire-loss claim;
- Negotiate claim value with your insurer as your compensated representative;
- Provide regulated property-and-casualty insurance advice for a fee;
- Interpret policy coverage as your insurance professional;
- Settle claim disputes for you; or
- Represent that we hold an Oregon insurance-consultant or adjuster license.
We may coordinate transaction-related communications, obtain documents with your permission, or discuss how insurance issues affect a proposed property purchase.
If professional insurance advice, claim negotiation, or adjustment is required, you should use an appropriately licensed insurance professional or attorney.
41. Insurance Claim Rights After a Sale
The Website presently suggests that homeowners can pursue insurance claims before or after a sale.
That statement should not be treated as a universal rule.
Rights concerning a fire claim can depend on:
- Policy language;
- The date of loss;
- Insurable interest;
- Assignment restrictions;
- Mortgagee or lender rights;
- Whether proceeds have already been paid;
- Whether repairs are required;
- Whether recoverable depreciation remains;
- Insurer consent;
- Applicable insurance law; and
- Transaction documents.
A purchase agreement should expressly address insurance rights where a claim remains open.
42. Insurance Proceeds Do Not Automatically Transfer
A sale does not automatically transfer:
- The seller’s insurance policy;
- A pending claim;
- Insurance proceeds;
- Supplemental benefits;
- Recoverable depreciation; or
- Other policy rights.
Likewise, the buyer does not automatically acquire those rights simply by purchasing the real estate.
43. Repair and Contractor Coordination
The Website advertises contractor and repair coordination.
Unless separately disclosed and appropriately licensed, we do not hold ourselves out as the seller’s licensed construction contractor.
Where regulated repair, remediation, demolition, or construction work requires an Oregon-licensed contractor, that work should be performed by an appropriately licensed person or entity.
44. Structural and Engineering Work
References to “structural inspections” should not be interpreted as a representation that the Website operator itself is a licensed professional engineer or licensed home inspector.
Where professional structural analysis is required, an appropriately qualified professional should perform it.
45. Portland Fire-Damage Repair Permits
Portland Fire & Rescue advises that where a fire-damaged building is structurally damaged and uninhabitable, a building inspector may be called.
After inspection, a permit generally must be obtained before repairs begin.
Fire-damaged property should therefore be evaluated for applicable City permitting requirements before repair or reconstruction.
46. Utility Reconnection
A fire can cause utility services to be shut off for safety.
Reconnection may depend on:
- Building inspection;
- Electrical inspection;
- Gas or utility-provider procedures;
- Repair completion; and
- Other safety requirements.
A sale does not automatically restore utility service.
47. Portland Building Permits
Portland generally requires permits for covered:
- Construction;
- Alteration;
- Repair;
- Improvement;
- Demolition; and
- Related work.
The exact permit depends on the property and scope of work.
48. Fire-Damage Repair and Portland’s FIR Program
Portland’s Field Issuance Remodel program does not generally treat fire-damage repair as an eligible FIR project.
Fire-damage restoration should therefore be routed through the appropriate standard permit process unless the City confirms another available process.
49. Smaller Fire or Water Damage Repairs
Some limited nonstructural repair projects may qualify for a smaller or simplified permit pathway.
That determination is project-specific.
The Website should not promise that a particular fire-damage repair will receive expedited or no-plan approval.
50. Fire and Life-Safety Systems
Repair or reconstruction may require separate review concerning:
- Fire alarms;
- Sprinklers;
- Fire suppression;
- Fire-resistance requirements;
- Egress;
- Fire department access; and
- Other fire or life-safety requirements.
Applicable Portland Fire Code and building requirements control.
51. Demolition and Deconstruction
Fire damage may make demolition or deconstruction appropriate, but separate Portland requirements can apply.
Depending on the structure, a demolition permit may be required.
Certain older houses, duplexes, or historic resources can also be subject to Portland deconstruction requirements.
52. Fire-Damage Deconstruction Exemption
Portland has a process through which a qualifying fire-damaged structure may receive an exemption from certain deconstruction requirements where specified portions of framing are unsuitable for salvage or working conditions are unsafe.
The exemption is not automatic merely because a fire occurred.
The owner or contractor should follow the City’s exemption process.
53. Dangerous Structures
A fire-damaged structure should not be left in a condition that presents an unlawful safety hazard.
Portland can impose requirements concerning:
- Stabilization;
- Securing the structure;
- Repair;
- Restricted access;
- Demolition; or
- Other safety measures.
A sale does not automatically cancel such obligations.
54. Portland Home Energy Score
Portland requires a Home Energy Score and Home Energy Report for most qualifying homes that are publicly advertised for sale within City jurisdiction.
The score and report generally must be obtained before public advertising and included in applicable advertisements.
55. Private Off-Market Sales
Portland expressly states that if a home is sold privately between two parties and is never publicly advertised for sale, the City’s Home Energy Score requirement does not apply.
A genuinely private direct cash acquisition may therefore be situated differently from a publicly listed property.
56. Home Energy Score Exemptions
Certain Portland homes or circumstances can qualify for exceptions or exemptions.
Current City materials identify possible exemptions involving circumstances such as:
- Condemnation;
- Uninhabitable conditions;
- Hazardous conditions; or
- Certain financial-distress situations.
An exemption should be confirmed through the City’s process rather than assumed.
57. Public Marketing by a Wholesaler Can Change the Analysis
If a property or contract interest is later publicly marketed, separate rules may become relevant, including:
- Oregon’s wholesaler-advertising disclosure requirements;
- Portland’s Home Energy Score requirements where the underlying home is publicly advertised for sale and the ordinance applies; and
- Ordinary advertising and licensing laws.
The actual form of advertising and interest marketed should be reviewed.
58. Tenant-Occupied Property
The sale of tenant-occupied Oregon property generally does not itself terminate every tenancy.
A purchaser should evaluate:
- Existing leases;
- Month-to-month tenancies;
- Security deposits;
- Notices;
- Habitability;
- Fire displacement;
- Possession rights;
- State landlord-tenant law; and
- Portland-specific tenant protections.
A house that appears vacant after a fire should not automatically be assumed to be free of tenant rights.
59. Portland Mandatory Renter Relocation Assistance
Portland requires relocation assistance in specified circumstances involving qualifying residential tenants.
Triggering events can include:
- Certain no-cause terminations;
- Certain fixed-term nonrenewals;
- Certain qualifying landlord-reason terminations;
- Rent increases of 10% or more over a 12-month period; and
- Certain substantial changes to lease terms.
The rules include exemptions and fact-specific requirements.
60. A Sale Alone Is Not a Relocation Trigger
The fact that a property is sold to a cash investor does not, by itself, mean that Portland relocation assistance is automatically owed or that a tenancy automatically ends.
If the acquisition strategy requires:
- Tenant termination;
- Redevelopment;
- Major renovation;
- Demolition;
- Vacancy; or
- Significant lease changes,
the parties should evaluate applicable state and Portland tenant rules before assuming vacant possession.
61. Fire-Damaged Rental Property
Portland’s relocation rules contain specific exemption procedures that may become relevant when a dwelling unit is rendered immediately uninhabitable.
Whether an exemption applies depends on the facts and City’s rules.
A purchaser should not assume that a fire automatically eliminates all relocation or tenant obligations.
62. Foreclosure and Financial Distress
The Website may attract homeowners who are:
- Behind on mortgage payments;
- Facing default;
- Facing foreclosure;
- Experiencing financial hardship; or
- Seeking a rapid sale.
We are not your lender, servicer, attorney, financial adviser, housing counselor, mortgage broker, loan-modification provider, foreclosure consultant, or debt-relief provider unless a separate legally compliant relationship expressly establishes otherwise.
63. Oregon Foreclosure Consultants
Oregon regulates covered foreclosure consultants.
A person can fall within the law where, for compensation, the person represents that services will assist a homeowner in matters such as:
- Preventing foreclosure;
- Postponing foreclosure;
- Stopping foreclosure;
- Obtaining forbearance;
- Obtaining additional time to reinstate;
- Obtaining waiver of acceleration;
- Obtaining funds;
- Reducing foreclosure-related credit harm; or
- Providing other covered foreclosure assistance.
A principal property purchaser should not simultaneously portray itself as the homeowner’s paid foreclosure consultant unless the relationship separately complies with Oregon law.
64. Foreclosure Consulting Agreement — 24-Hour Advance Copy
A covered Oregon foreclosure consultant generally must provide the homeowner with the proposed foreclosure consulting contract at least 24 hours before the homeowner signs it.
The contract must contain the disclosures, formatting, contact information, and cancellation documents required by law.
65. Foreclosure Consulting Contract May Be Cancelled at Any Time
Oregon provides an unusually broad right for a homeowner to cancel a covered foreclosure consulting contract.
A homeowner generally may cancel a covered foreclosure consulting contract at any time.
The statutory cancellation form expressly states that the homeowner may cancel without penalty at any time, although the homeowner may remain responsible for qualifying good-faith services or advances made before cancellation as provided by law.
Nothing in these Website Terms limits that right.
66. Keep Direct Purchasing Separate From Foreclosure Consulting
A direct cash-acquisition business should not blur its role by:
- Charging a seller to stop foreclosure;
- Promising loan modification;
- Holding itself out as the seller’s financial adviser;
- Charging to negotiate with the mortgage servicer;
- Advising the homeowner to stop lender communications;
- Representing the purchase as professional foreclosure rescue; or
- Charging consulting fees alongside an acquisition without evaluating applicable law.
67. Oregon Equity Conveyance Rules
Oregon separately regulates certain equity conveyances involving a residence in foreclosure.
These rules become particularly important where a distressed homeowner transfers an interest in a residence and receives or is promised a continuing interest such as:
- A leaseback;
- Repurchase option;
- Reconveyance right; or
- Similar arrangement.
An ordinary permanent arm’s-length purchase with no continuing interest promised back to the seller is different from a covered reconveyance structure.
68. Equity Seller’s Three-Business-Day Cancellation Right
In a covered equity conveyance, the equity seller generally may cancel before the earlier of:
- Midnight of the third business day after signing a document purporting to transfer an interest in the residence in foreclosure; or
- The foreclosure sale.
The cancellation period does not properly begin until the required statutory cancellation documentation is supplied.
69. Restrictions During the Equity-Conveyance Cancellation Period
Before the seller’s cancellation right expires, a covered equity purchaser generally may not take prohibited actions such as:
- Recording the seller’s conveyance instrument;
- Transferring the property interest to another party; or
- Encumbering the interest with a third party.
70. Reconveyance and Lease-Buyback Safeguards
Where a covered equity conveyance provides for the homeowner to remain or later regain an interest, Oregon imposes additional requirements concerning matters such as:
- Reasonable ability to make lease or repurchase payments;
- Settlement conference;
- Reconveyance obligations;
- Fairness of lease and repurchase terms;
- Required recordings; and
- Other consumer protections.
71. 82% Equity Recapture Rule
If property subject to a covered equity conveyance is resold within 24 months, Oregon law generally requires the equity purchaser to pay the former equity seller at least 82% of the statutory equity recapture payment from the resale, within the statutory period.
This is not properly described as a blanket promise that every distressed seller receives 82% of fair market value.
The statutory definition and calculation control.
72. No Misleading Foreclosure Statements
A covered equity purchaser may not falsely represent that it:
- Is acting as the homeowner’s financial adviser;
- Is acting as the homeowner’s foreclosure consultant;
- Has professional credentials it does not possess; or
- Is “saving” the property from foreclosure where the actual arrangement does not allow the homeowner to fully regain title.
False or misleading statements concerning property value, proceeds, contract terms, or seller rights are also prohibited.
73. Requesting an Offer Does Not Stop Foreclosure
Submitting a Website inquiry, receiving an offer, or negotiating a transaction does not automatically:
- Stop a trustee’s sale;
- Stop a judicial foreclosure;
- Extend a foreclosure deadline;
- Cure default;
- Reinstate a loan;
- Modify a mortgage;
- Create forbearance; or
- Require a lender or servicer to delay enforcement.
Homeowners facing foreclosure should independently determine applicable deadlines.
74. Federal Mortgage-Assistance Rules
If separate conduct constitutes mortgage-assistance-relief services under federal law, additional federal requirements may regulate:
- Advance fees;
- Advertising;
- Required notices;
- Communications with lenders or servicers; and
- Consumer acceptance.
75. No Foreclosure-Rescue Guarantees
Unless separately authorized and legally qualified, we do not represent that:
- We act for your lender;
- We act for your servicer;
- We act for Oregon or the federal government;
- We guarantee foreclosure will stop;
- We guarantee a loan modification;
- We will negotiate your mortgage as your professional adviser;
- You should stop communicating with your lender;
- You should stop making legally required payments; or
- Selling to us is your only option.
76. Probate, Estate, Trust, and Inherited Property
Submitting inherited, probate, estate, or trust property does not establish legal authority to sell.
A transaction may require:
- Personal-representative authority;
- Executor or administrator authority;
- Trustee authority;
- Court documentation;
- Participation by heirs or beneficiaries;
- Appropriate deeds; or
- Other evidence of authority.
Certain court-appointed fiduciary transactions may also qualify for Oregon seller-disclosure exclusions, but the actual appointment and transaction must satisfy the statute.
77. Insurance Claims and Fire-Damage Proceeds
A fire-damaged property may involve an open or completed insurance claim.
Property owners are responsible for understanding:
- Coverage;
- Proof-of-loss requirements;
- Claim deadlines;
- Existing proceeds;
- Repair obligations;
- Mortgagee rights;
- Recoverable depreciation;
- Additional living expenses;
- Assignment restrictions;
- Salvage;
- Subrogation;
- Supplemental claims; and
- Other policy conditions.
78. Pending Insurance Claims
If property is sold while an insurance claim remains pending, the purchase agreement should address the parties’ rights concerning:
- Existing proceeds;
- Supplemental proceeds;
- Recoverable depreciation;
- Future claim payments;
- Repair obligations;
- Additional claims;
- Salvage; and
- Related benefits.
79. Public Adjusting and Insurance Consulting
Nothing on the Website should be interpreted as an agreement for public-adjusting or insurance-consulting services unless:
- The applicable service is expressly described;
- The person performing it holds all required Oregon licenses; and
- A separate legally compliant engagement exists.
Property acquisition and insurance claim representation are distinct services.
80. Federal Lead-Based Paint Disclosure
Federal lead-based-paint disclosure requirements may apply to qualifying residential housing constructed before 1978.
Nothing on the Website replaces applicable federal requirements.
81. Condominiums and Associations
If property is located in a condominium, planned community, or other association, separate disclosure, assessment, governing-document, insurance, reserve, lien, and transaction requirements may apply.
The parties should evaluate the actual community and transaction.
82. Telephone Communications
By providing a telephone number and requesting an offer, you authorize reasonable responsive communications concerning:
- Your property;
- Property research;
- Scheduling;
- Inspections;
- Offers;
- Follow-up; and
- Potential transactions.
Additional consent will be obtained where legally required before regulated automated, prerecorded, artificial-voice, or marketing communications are made.
83. Oregon Recording Law
Oregon law distinguishes telephone communications from other conversations.
A participant generally may record a telephone or telecommunications communication under Oregon law, while recording an in-person or other covered conversation generally requires participants to be specifically informed, subject to statutory exceptions.
Because interstate communications may involve stricter laws, additional notice or all-parties consent may be required.
Our operational practice may therefore announce call recording even when Oregon law would permit participant recording without such notice.
84. Text Messages
If you provide a mobile number and applicable consent, we may communicate by text concerning:
- Your inquiry;
- Your property;
- Scheduling;
- Inspections;
- Offers;
- Follow-up; and
- Potential transactions.
Where required, additional consent will be obtained before regulated automated or marketing messages are sent.
Consent to marketing is not a condition of receiving an offer or selling property where prohibited.
Message and data rates may apply.
Message frequency may vary.
Reply STOP to request that applicable messages stop.
85. Email Communications
By providing an email address, you authorize communications concerning:
- Your property;
- Potential offers;
- Inspections;
- Due diligence;
- Scheduling;
- Follow-up;
- Services; and
- Potential transactions.
Applicable promotional emails will provide an unsubscribe mechanism.
86. Electronic Communications
Where permitted by law, you consent to receiving Website and transaction communications electronically.
This does not eliminate documents that applicable law requires to be delivered using another method or format.
87. Privacy
Our handling of personal information is described in our Privacy Policy.
88. Independent Decision-Making
Selling fire-damaged property can have substantial:
- Legal;
- Tax;
- Financial;
- Insurance;
- Construction;
- Environmental;
- Tenant; and
- Personal consequences.
You may wish to consult:
- An Oregon attorney;
- A licensed Oregon real estate professional;
- A registered residential property wholesaler where relevant;
- A tax professional;
- An accountant;
- A licensed insurance professional;
- A licensed public adjuster where appropriate;
- A licensed contractor;
- An engineer;
- An environmental professional;
- An appraiser;
- A HUD-approved housing counselor; or
- Another qualified adviser.
89. No Professional Advice
Website content is general information and does not constitute individualized:
- Legal advice;
- Tax advice;
- Accounting advice;
- Financial advice;
- Insurance advice;
- Insurance claim adjustment;
- Construction advice;
- Engineering advice;
- Environmental advice;
- Appraisal advice;
- Mortgage advice;
- Tenant-law advice; or
- Foreclosure advice.
90. No Automatic Agency or Fiduciary Relationship
Use of the Website does not itself create:
- Seller agency;
- Buyer agency;
- A brokerage relationship;
- A fiduciary relationship;
- Partnership;
- Joint venture; or
- Employment.
Where a licensed Oregon real estate professional participates, applicable brokerage and agency documentation controls.
91. Acceptable Use
You may not:
- Use the Website unlawfully;
- Submit fraudulent leads;
- Knowingly provide materially false information;
- Impersonate another person;
- Submit property information without authority;
- Falsely claim ownership or an equitable interest;
- Attempt unauthorized system access;
- Introduce malicious code;
- Circumvent Website security;
- Abuse Website forms;
- Interfere with Website operation; or
- Violate another person’s rights.
92. Intellectual Property
Unless otherwise stated, the Website and its original:
- Text;
- Branding;
- Graphics;
- Images;
- Designs;
- Layout; and
- Software
are owned by or licensed to I Buy Houses With Fire Damage Portland.
You may not commercially reproduce protected Website content without authorization.
93. Third-Party Websites and Services
We do not control or accept responsibility for independent third-party:
- Websites;
- Privacy practices;
- Content;
- Security;
- Products;
- Services;
- Professional advice;
- Representations; or
- Conduct.
94. Website Availability
We may modify, restrict, suspend, or discontinue Website features.
Continuous, uninterrupted, secure, or error-free Website availability is not guaranteed.
95. No Guarantee of Transaction
We do not guarantee:
- An offer;
- Fair-market-value pricing;
- A particular purchase price;
- A 24-hour offer;
- A 7-day closing;
- A 10-day closing;
- Successful assignment;
- Insurance recovery;
- Vacant possession;
- Permit approval;
- Completion of repairs;
- Resolution of a City order;
- Completion of a transaction; or
- A particular financial result.
96. Marketing Claims
Website statements describing an offer or process as:
- Fair;
- Competitive;
- Fast;
- Immediate;
- Transparent;
- Hassle-free;
- No-pressure;
- No-fee;
- “Best value”; or
- Similar terminology
describe intended or potential service characteristics and do not guarantee a specific economic result.
The executed transaction documents control.
97. No-Obligation Offers
A Website cash-offer request is intended to be no-obligation unless and until the seller executes a binding contract.
The current Website FAQ contains contradictory wording stating “Yes” in response to a question asking whether the seller is obligated to accept an offer, followed immediately by language saying the offer has no obligation.
The intended rule reflected in these Terms is:
No. Receiving an offer does not obligate you to accept it.
Any Website language suggesting otherwise should be corrected.
98. Testimonials
Testimonials describe individual reported experiences.
They do not guarantee that another seller will receive:
- The same offer;
- The same timing;
- The same transaction structure;
- The same insurance outcome;
- The same repair result; or
- The same financial outcome.
99. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND WEBSITE CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
WE DISCLAIM WARRANTIES THAT MAY LAWFULLY BE DISCLAIMED, INCLUDING IMPLIED WARRANTIES OF:
- MERCHANTABILITY;
- FITNESS FOR A PARTICULAR PURPOSE;
- TITLE; AND
- NON-INFRINGEMENT.
Nothing in these Terms eliminates rights that applicable law does not permit to be waived.
100. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, I BUY HOUSES WITH FIRE DAMAGE PORTLAND AND ITS AFFILIATES, OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, SERVICE PROVIDERS, AND BUSINESS PARTNERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING SOLELY FROM WEBSITE USE.
OUR AGGREGATE LIABILITY FOR CLAIMS ARISING SOLELY FROM WEBSITE USE WILL NOT EXCEED $500, TO THE MAXIMUM EXTENT PERMITTED BY LAW.
This Website-only limitation does not govern rights or liabilities under separately executed:
- Purchase agreements;
- Assignment agreements;
- Residential-property-wholesaling contracts or disclosures;
- Brokerage agreements;
- Foreclosure-consulting agreements;
- Equity-conveyance agreements;
- Tenant agreements;
- Insurance-related agreements;
- Contractor agreements; or
- Other transaction-specific documents
unless those documents expressly provide otherwise and applicable law permits it.
101. Independent Third Parties
To the maximum extent permitted by law, we are not responsible for independent third-party:
- Representations;
- Pricing;
- Contracts;
- Professional opinions;
- Construction work;
- Insurance advice;
- Performance;
- Privacy practices; or
- Conduct.
Nothing in this section eliminates liability that applicable law does not permit to be excluded.
102. Indemnification
To the extent permitted by law, you agree to indemnify I Buy Houses With Fire Damage Portland from claims arising from your:
- Unlawful Website use;
- Material breach of these Terms;
- Fraudulent information knowingly submitted;
- Information knowingly submitted without authority; or
- Violation of another person’s rights.
103. Governing Law
These Terms are governed by the laws of the State of Oregon, except where another law must apply.
104. Venue and Disputes
Subject to mandatory jurisdiction, venue, consumer-protection, foreclosure, landlord-tenant, and transaction-specific requirements, proceedings arising solely from Website use may be brought in a court of competent jurisdiction in Oregon.
These Website Terms do not impose mandatory arbitration.
A separately executed transaction agreement may contain different enforceable dispute-resolution provisions.
105. Non-Waivable Oregon and Portland Rights
Nothing in these Terms waives rights that cannot legally be waived under applicable:
- Oregon seller-disclosure law;
- Oregon residential-property-wholesaling law;
- Oregon real estate licensing law;
- Oregon Consumer Privacy Act;
- Oregon Consumer Information Protection Act;
- Oregon foreclosure-consultant law;
- Oregon equity-conveyance law;
- Oregon Residential Landlord and Tenant Act;
- Oregon insurance licensing law;
- Oregon recording law;
- Portland building or fire codes;
- Portland Home Energy Score requirements;
- Portland renter-relocation requirements;
- Federal mortgage-assistance rules;
- Federal lead-disclosure law; or
- Other applicable law.
106. Transaction Agreements Control
These Website Terms do not replace:
- Purchase agreements;
- Assignment agreements;
- Residential-property-wholesaler disclosures;
- Brokerage agreements;
- Seller’s Property Disclosure Statements;
- Buyer revocation waivers;
- Foreclosure-consulting contracts;
- Equity-conveyance contracts;
- Statutory cancellation forms;
- Title documents;
- Escrow documents;
- Tenant notices;
- Insurance agreements;
- Contractor agreements; or
- Other transaction-specific documents.
A separately executed transaction agreement governs that transaction to the extent enforceable.
107. Changes to These Terms
We may update these Terms periodically.
Updated Terms become effective when posted or on another identified effective date, subject to applicable law.
108. Severability
If a provision is invalid or unenforceable, it will be enforced to the maximum lawful extent or severed, and the remaining provisions will continue in effect.
109. No Waiver
Failure to enforce a provision does not waive the right to enforce it later.
110. Assignment
You may not assign these Website Terms without our written consent.
We may assign these Terms in connection with a merger, acquisition, financing, restructuring, affiliate reorganization, or sale of assets, subject to applicable law.
This Website provision does not determine whether a real-estate purchase agreement may be assigned.
Assignment of a purchase agreement is governed by:
- The agreement itself;
- Oregon contract law;
- Oregon residential-property-wholesaling law;
- Oregon real estate licensing requirements;
- Foreclosure-related protections; and
- Other applicable law.
111. Entire Agreement Regarding Website Use
These Terms and the Privacy Policy govern Website use.
They do not supersede separately executed real estate transaction documents.
112. Contact Us
Questions concerning these Terms may be directed to:
I Buy Houses With Fire Damage Portland
Portland, Oregon
United States
Website: ibuyhouseswithfiredamageportland.com