OfferMarket for Montana 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.
Montana context
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity.
How OfferMarket positions in Montana
For Montana specifically, OfferMarket fits investors who match the hard money approach. The low cash flow profile of Montana aggregate makes it workable for OfferMarket.
City-level coverage in Montana
OfferMarket provides DSCR coverage across Montana metros including Billings, Bozeman, and Missoula. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. OfferMarket program terms apply uniformly across Montana 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 |
| Montana property tax | 0.8% |
| Montana state income tax | 6.75% |
OfferMarket strengths in Montana
- 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 Montana coverage. OfferMarket is based in an undisclosed location and operates in states not publicly disclosed.
Billings is the top investor market in Montana and is generally within OfferMarket states not publicly disclosed footprint. Billings property tax follows the Montana state rate of 0.8 percent. OfferMarket typically underwrites Billings acquisitions at standard rate sheets.
Yes. Bozeman ranks among the larger Montana investor metros and sees consistent DSCR loan volume from OfferMarket. Submarket variation within Bozeman matters for property selection.
OfferMarket applies the same rate sheet across Montana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Billings, Bozeman, and Missoula 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.
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity. OfferMarket follows standard business-purpose loan structures.
OfferMarket funds rental DSCR in Montana.
Montana allows standard DSCR prepay structures; OfferMarket typically uses 3-5 year step down.
OfferMarket typical close: Not publicly published.
Bottom line
Montana 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.