OfferMarket for Arkansas 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.
Arkansas context
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics.
How OfferMarket positions in Arkansas
For Arkansas specifically, OfferMarket fits investors who match the hard money approach. The high cash flow profile of Arkansas aggregate makes it a target market for OfferMarket.
City-level coverage in Arkansas
OfferMarket provides DSCR coverage across Arkansas metros including Little Rock, Fayetteville, and Fort Smith. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. OfferMarket program terms apply uniformly across Arkansas 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 |
| Arkansas property tax | 0.6% |
| Arkansas state income tax | 4.4% |
OfferMarket strengths in Arkansas
- 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 Arkansas coverage. OfferMarket is based in an undisclosed location and operates in states not publicly disclosed.
Little Rock is the top investor market in Arkansas and is generally within OfferMarket states not publicly disclosed footprint. Little Rock property tax follows the Arkansas state rate of 0.6 percent. OfferMarket typically underwrites Little Rock acquisitions at standard rate sheets.
Yes. Fayetteville ranks among the larger Arkansas investor metros and sees consistent DSCR loan volume from OfferMarket. Submarket variation within Fayetteville matters for property selection.
OfferMarket applies the same rate sheet across Arkansas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Little Rock, Fayetteville, and Fort Smith 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.
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics. OfferMarket follows standard business-purpose loan structures.
OfferMarket funds rental DSCR in Arkansas.
Arkansas allows standard DSCR prepay structures; OfferMarket typically uses 3-5 year step down.
OfferMarket typical close: Not publicly published.
Bottom line
Arkansas investors considering OfferMarket should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with OfferMarket.