OfferMarket for Kentucky 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.
Kentucky context
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant.
How OfferMarket positions in Kentucky
Kentucky 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 Kentucky
OfferMarket provides DSCR coverage across Kentucky metros including Louisville, Lexington, and Bowling Green. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. OfferMarket program terms apply uniformly across Kentucky 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 |
| Kentucky property tax | 0.9% |
| Kentucky state income tax | 4.5% |
OfferMarket strengths in Kentucky
- 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 Kentucky coverage. OfferMarket is based in an undisclosed location and operates in states not publicly disclosed.
Louisville is the top investor market in Kentucky and is generally within OfferMarket states not publicly disclosed footprint. Louisville property tax follows the Kentucky state rate of 0.9 percent. OfferMarket typically underwrites Louisville acquisitions at standard rate sheets.
Yes. Lexington ranks among the larger Kentucky investor metros and sees consistent DSCR loan volume from OfferMarket. Submarket variation within Lexington matters for property selection.
OfferMarket applies the same rate sheet across Kentucky metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Louisville, Lexington, and Bowling Green 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.
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant. OfferMarket follows standard business-purpose loan structures.
OfferMarket funds rental DSCR in Kentucky.
Kentucky allows standard DSCR prepay structures; OfferMarket typically uses 3-5 year step down.
OfferMarket typical close: Not publicly published.
Bottom line
OfferMarket in Kentucky works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with OfferMarket.