OfferMarket for Georgia 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.
Georgia context
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws.
How OfferMarket positions in Georgia
For Georgia specifically, OfferMarket fits investors who match the hard money approach. The medium cash flow profile of Georgia aggregate makes it workable for OfferMarket.
City-level coverage in Georgia
OfferMarket provides DSCR coverage across Georgia metros including Atlanta, Savannah, and Augusta. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. OfferMarket program terms apply uniformly across Georgia 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 |
| Georgia property tax | 1% |
| Georgia state income tax | 5.4% |
OfferMarket strengths in Georgia
- 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 Georgia coverage. OfferMarket is based in an undisclosed location and operates in states not publicly disclosed.
Atlanta is the top investor market in Georgia and is generally within OfferMarket states not publicly disclosed footprint. Atlanta property tax follows the Georgia state rate of 1 percent. OfferMarket typically underwrites Atlanta acquisitions at standard rate sheets.
Yes. Savannah ranks among the larger Georgia investor metros and sees consistent DSCR loan volume from OfferMarket. Submarket variation within Savannah matters for property selection.
OfferMarket applies the same rate sheet across Georgia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Atlanta, Savannah, and Augusta 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.
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws. OfferMarket follows standard business-purpose loan structures.
OfferMarket funds rental DSCR in Georgia.
Georgia allows standard DSCR prepay structures; OfferMarket typically uses 3-5 year step down.
OfferMarket typical close: Not publicly published.
Bottom line
Georgia 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.