OfferMarket for Arizona investors
OfferMarket is a direct DSCR lender with a 660 minimum credit score (680 preferred) and a 0.75 minimum DSCR. The maximum 80% LTV tier requires a 720+ credit score. The company does not publish minimum/maximum loan size, rate, or state-coverage figures in the sources reviewed.
Arizona context
Arizona property tax low. Strong Sunbelt growth metros. STR markets active in Scottsdale, Sedona, Phoenix.
How OfferMarket positions in Arizona
Arizona is well covered by national DSCR lenders, with OfferMarket as one option. Where OfferMarket differentiates: 0.75 minimum DSCR. Where it competes: rates not publicly published against peer programs.
City-level coverage in Arizona
OfferMarket provides DSCR coverage across Arizona metros including Phoenix, Tucson, and Mesa. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. OfferMarket program terms apply uniformly across Arizona metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | — - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Arizona property tax | 0.6% |
| Arizona state income tax | 2.5% |
OfferMarket strengths in Arizona
- 0.75 minimum DSCR
- Direct lender
- Maximum 80% LTV available at 720+ credit score
Ideal borrower: Investor with a 660+ credit score (720+ preferred for maximum 80% LTV) and at least 0.75 DSCR.
FAQ
Likely; verify direct Arizona coverage. OfferMarket is based in an undisclosed location and operates in states not publicly disclosed.
Phoenix is the top investor market in Arizona and is generally within OfferMarket states not publicly disclosed footprint. Phoenix property tax follows the Arizona state rate of 0.6 percent. OfferMarket typically underwrites Phoenix acquisitions at standard rate sheets.
Yes. Tucson ranks among the larger Arizona investor metros and sees consistent DSCR loan volume from OfferMarket. Submarket variation within Tucson matters for property selection.
OfferMarket applies the same rate sheet across Arizona metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Phoenix, Tucson, and Mesa all qualify for the same OfferMarket program.
OfferMarket does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Arizona property tax low. Strong Sunbelt growth metros. STR markets active in Scottsdale, Sedona, Phoenix. OfferMarket follows standard business-purpose loan structures.
OfferMarket funds rental DSCR in Arizona.
Arizona allows standard DSCR prepay structures; OfferMarket typically uses 3-5 year step down.
OfferMarket typical close: Not publicly published.
Bottom line
For Arizona DSCR borrowers, OfferMarket is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with OfferMarket.