OfferMarket for Ohio 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.
Ohio context
Ohio strongest cash flow markets in nation. Cleveland, Akron, Dayton, Youngstown all produce 0.7-1%+ rent-to-price ratios.
How OfferMarket positions in Ohio
Within Ohio, OfferMarket competes alongside other DSCR lenders. OfferMarket strengths: 0.75 minimum DSCR, Direct lender. The high aggregate DSCR economics of Ohio create demand for OfferMarket programs in Columbus and Cleveland particularly.
City-level coverage in Ohio
OfferMarket provides DSCR coverage across Ohio metros including Columbus, Cleveland, and Cincinnati. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. OfferMarket program terms apply uniformly across Ohio 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 |
| Ohio property tax | 1.6% |
| Ohio state income tax | 3.99% |
OfferMarket strengths in Ohio
- 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 Ohio coverage. OfferMarket is based in an undisclosed location and operates in states not publicly disclosed.
Columbus is the top investor market in Ohio and is generally within OfferMarket states not publicly disclosed footprint. Columbus property tax follows the Ohio state rate of 1.6 percent. OfferMarket typically underwrites Columbus acquisitions at standard rate sheets.
Yes. Cleveland ranks among the larger Ohio investor metros and sees consistent DSCR loan volume from OfferMarket. Submarket variation within Cleveland matters for property selection.
OfferMarket applies the same rate sheet across Ohio metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Columbus, Cleveland, and Cincinnati 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.
Ohio strongest cash flow markets in nation. Cleveland, Akron, Dayton, Youngstown all produce 0.7-1%+ rent-to-price ratios. OfferMarket follows standard business-purpose loan structures.
OfferMarket funds rental DSCR in Ohio.
Ohio allows standard DSCR prepay structures; OfferMarket typically uses 3-5 year step down.
OfferMarket typical close: Not publicly published.
Bottom line
For Ohio 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.