OfferMarket for Maryland 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.
Maryland context
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law.
How OfferMarket positions in Maryland
For Maryland specifically, OfferMarket fits investors who match the hard money approach. The medium cash flow profile of Maryland aggregate makes it workable for OfferMarket.
City-level coverage in Maryland
OfferMarket provides DSCR coverage across Maryland metros including Baltimore, Frederick, and Annapolis. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. OfferMarket program terms apply uniformly across Maryland 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 |
| Maryland property tax | 1% |
| Maryland state income tax | 5.75% |
OfferMarket strengths in Maryland
- 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 Maryland coverage. OfferMarket is based in an undisclosed location and operates in states not publicly disclosed.
Baltimore is the top investor market in Maryland and is generally within OfferMarket states not publicly disclosed footprint. Baltimore property tax follows the Maryland state rate of 1 percent. OfferMarket typically underwrites Baltimore acquisitions at standard rate sheets.
Yes. Frederick ranks among the larger Maryland investor metros and sees consistent DSCR loan volume from OfferMarket. Submarket variation within Frederick matters for property selection.
OfferMarket applies the same rate sheet across Maryland metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Baltimore, Frederick, and Annapolis 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.
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law. OfferMarket follows standard business-purpose loan structures.
OfferMarket funds rental DSCR in Maryland.
Maryland allows standard DSCR prepay structures; OfferMarket typically uses 3-5 year step down.
OfferMarket typical close: Not publicly published.
Bottom line
Maryland 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.