DSCRDeals
Lender Directory / OfferMarket
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OfferMarket

An online investor-lending platform with DSCR options down to a 0.75x floor, but low-DSCR and low-credit scenarios carry significant leverage and reserve restrictions.

Program snapshot

Min. DSCR0.75x absolute floor; restrictions apply
RatesGet Current Pricing
Max LTVUp to 80%; low-FICO tiers capped lower
Min. Credit640 absolute floor; leverage varies
Loan Amounts$55k published minimum; verify current maximum
ClosingConfirm timing for your deal
Single Family2–4 UnitsShort-Term Rentals (STR)

Primary source: OfferMarket DSCR requirements

Verified highlights

  • 0.75x absolute DSCR floor on current requirements guidance
  • 640 absolute FICO floor, with severe leverage restrictions at that tier
  • Active DSCRDeals referral relationship
Loan Terms & Transparency

How this loan is actually underwritten

DSCR calculationLower of lease rent or appraiser market rent ÷ PITIA

OfferMarket's DSCR guide describes PITIA as principal, interest, taxes, insurance and association dues when applicable.

AppraisalProgram / state specific

OfferMarket publishes both AMC-ordered and direct-order appraisal approaches depending on program and market. Do not treat one method as universal.

Lender fees0.5–1 origination point + $1,995 lender fee on current core guidelines

The $1,995 fee is described as covering third-party underwriting verification, appraisal-risk review and CoreLogic.

ReservesCash to close + 9 months PITIA

Published core program guideline.

PrepaymentMultiple options

Published options include 5/4/3/2/1, 4/3/2/1, 3/2/1, 3/0/0, 2/1, 1/0 and no-PPP.

What can affect termsProgram, state, credit, DSCR, LTV and valuation

Some specialized programs use alternative valuation instead of a standard full appraisal.

Last verified: Aug. 23, 2026 · Sources: Core DSCR guidelines · DSCR guide

Best fit

  • Online-first borrowers
  • Lower-DSCR scenarios with compensating factors
  • Rental-property investors

What to verify

  • A 640 FICO borrower is generally capped around 65% LTV; 75–80% leverage generally requires stronger credit.
  • STR income and first-time investor scenarios have additional restrictions.
Important: DSCRDeals is an informational and matching service, not a lender or a commitment to lend. Rates, guidelines, eligibility and program availability can change and vary by borrower, property, state and market. Verify current terms directly with the lender. Some links may be affiliate/referral links; DSCRDeals may receive compensation if you apply or close through a partner link.