OfferMarket for Utah 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.
Utah context
Utah low property tax. Strong job growth. Ski STR (Park City) and southern Utah STR (St. George/Zion).
How OfferMarket positions in Utah
For Utah specifically, OfferMarket fits investors who match the hard money approach. The medium cash flow profile of Utah aggregate makes it workable for OfferMarket.
City-level coverage in Utah
OfferMarket provides DSCR coverage across Utah metros including Salt Lake City, Provo, and St. George. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. OfferMarket program terms apply uniformly across Utah 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 |
| Utah property tax | 0.6% |
| Utah state income tax | 4.85% |
OfferMarket strengths in Utah
- 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 Utah coverage. OfferMarket is based in an undisclosed location and operates in states not publicly disclosed.
Salt Lake City is the top investor market in Utah and is generally within OfferMarket states not publicly disclosed footprint. Salt Lake City property tax follows the Utah state rate of 0.6 percent. OfferMarket typically underwrites Salt Lake City acquisitions at standard rate sheets.
Yes. Provo ranks among the larger Utah investor metros and sees consistent DSCR loan volume from OfferMarket. Submarket variation within Provo matters for property selection.
OfferMarket applies the same rate sheet across Utah metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Salt Lake City, Provo, and St. George 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.
Utah low property tax. Strong job growth. Ski STR (Park City) and southern Utah STR (St. George/Zion). OfferMarket follows standard business-purpose loan structures.
OfferMarket funds rental DSCR in Utah.
Utah allows standard DSCR prepay structures; OfferMarket typically uses 3-5 year step down.
OfferMarket typical close: Not publicly published.
Bottom line
OfferMarket in Utah works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with OfferMarket.