OfferMarket for Oregon 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.
Oregon context
Oregon SB 608 statewide rent control. DSCR economics challenged.
How OfferMarket positions in Oregon
For Oregon specifically, OfferMarket fits investors who match the hard money approach. The low cash flow profile of Oregon aggregate makes it workable for OfferMarket.
City-level coverage in Oregon
OfferMarket provides DSCR coverage across Oregon metros including Portland, Eugene, and Salem. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. OfferMarket program terms apply uniformly across Oregon 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 |
| Oregon property tax | 1% |
| Oregon state income tax | 9.9% |
OfferMarket strengths in Oregon
- 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 Oregon coverage. OfferMarket is based in an undisclosed location and operates in states not publicly disclosed.
Portland is the top investor market in Oregon and is generally within OfferMarket states not publicly disclosed footprint. Portland property tax follows the Oregon state rate of 1 percent. OfferMarket typically underwrites Portland acquisitions at standard rate sheets.
Yes. Eugene ranks among the larger Oregon investor metros and sees consistent DSCR loan volume from OfferMarket. Submarket variation within Eugene matters for property selection.
OfferMarket applies the same rate sheet across Oregon metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Portland, Eugene, and Salem 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.
Oregon SB 608 statewide rent control. DSCR economics challenged. OfferMarket follows standard business-purpose loan structures.
OfferMarket funds rental DSCR in Oregon.
Oregon allows standard DSCR prepay structures; OfferMarket typically uses 3-5 year step down.
OfferMarket typical close: Not publicly published.
Bottom line
For Oregon 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.