OfferMarket for Missouri 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.
Missouri context
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market.
How OfferMarket positions in Missouri
The Missouri lender pool for DSCR includes OfferMarket among the active platforms. Missouri top metros (St. Louis, Kansas City, Springfield) see meaningful OfferMarket loan volume.
City-level coverage in Missouri
OfferMarket provides DSCR coverage across Missouri metros including St. Louis, Kansas City, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. OfferMarket program terms apply uniformly across Missouri 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 |
| Missouri property tax | 1% |
| Missouri state income tax | 4.95% |
OfferMarket strengths in Missouri
- 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 Missouri coverage. OfferMarket is based in an undisclosed location and operates in states not publicly disclosed.
St. Louis is the top investor market in Missouri and is generally within OfferMarket states not publicly disclosed footprint. St. Louis property tax follows the Missouri state rate of 1 percent. OfferMarket typically underwrites St. Louis acquisitions at standard rate sheets.
Yes. Kansas City ranks among the larger Missouri investor metros and sees consistent DSCR loan volume from OfferMarket. Submarket variation within Kansas City matters for property selection.
OfferMarket applies the same rate sheet across Missouri metros. Pricing variation comes from property-specific factors rather than metro location within the same state. St. Louis, Kansas City, 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.
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market. OfferMarket follows standard business-purpose loan structures.
OfferMarket funds rental DSCR in Missouri.
Missouri allows standard DSCR prepay structures; OfferMarket typically uses 3-5 year step down.
OfferMarket typical close: Not publicly published.
Bottom line
For Missouri DSCR borrowers, OfferMarket is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with OfferMarket.