OfferMarket for Massachusetts 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.
Massachusetts context
Massachusetts triple-decker market produces multi-unit DSCR economics. Boston DSCR tight.
How OfferMarket positions in Massachusetts
For Massachusetts specifically, OfferMarket fits investors who match the hard money approach. The low cash flow profile of Massachusetts aggregate makes it workable for OfferMarket.
City-level coverage in Massachusetts
OfferMarket provides DSCR coverage across Massachusetts metros including Boston, Worcester, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. OfferMarket program terms apply uniformly across Massachusetts 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 |
| Massachusetts property tax | 1.2% |
| Massachusetts state income tax | 9% |
OfferMarket strengths in Massachusetts
- 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 Massachusetts coverage. OfferMarket is based in an undisclosed location and operates in states not publicly disclosed.
Boston is the top investor market in Massachusetts and is generally within OfferMarket states not publicly disclosed footprint. Boston property tax follows the Massachusetts state rate of 1.2 percent. OfferMarket typically underwrites Boston acquisitions at standard rate sheets.
Yes. Worcester ranks among the larger Massachusetts investor metros and sees consistent DSCR loan volume from OfferMarket. Submarket variation within Worcester matters for property selection.
OfferMarket applies the same rate sheet across Massachusetts metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Boston, Worcester, and Springfield 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.
Massachusetts triple-decker market produces multi-unit DSCR economics. Boston DSCR tight. OfferMarket follows standard business-purpose loan structures.
OfferMarket funds rental DSCR in Massachusetts.
Massachusetts allows standard DSCR prepay structures; OfferMarket typically uses 3-5 year step down.
OfferMarket typical close: Not publicly published.
Bottom line
Massachusetts 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.