 People in Albina who wanted to purchase homes were forced to either come up with cash or to turn to predatory lenders such as Dominion Capital that purchased a large portfolio of cheap homes and made predatory loans with complicated terms to Albina residents.The loans had high interest rates with as much as 18% or more and monthly payments were as low as the buyers could pay–even if they would not pay down accumulating interest.The instrument used was a land-sale contract and typically the total loan amount would come due in five years.