OfferMarket for Vermont 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.
Vermont context
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices.
How OfferMarket positions in Vermont
The Vermont lender pool for DSCR includes OfferMarket among the active platforms. Vermont top metros (Burlington, Montpelier, Vermont) see meaningful OfferMarket loan volume.
City-level coverage in Vermont
OfferMarket provides DSCR coverage across Vermont metros including Burlington, Montpelier, and Vermont. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. OfferMarket program terms apply uniformly across Vermont 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 |
| Vermont property tax | 1.8% |
| Vermont state income tax | 8.75% |
OfferMarket strengths in Vermont
- 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 Vermont coverage. OfferMarket is based in an undisclosed location and operates in states not publicly disclosed.
Burlington is the top investor market in Vermont and is generally within OfferMarket states not publicly disclosed footprint. Burlington property tax follows the Vermont state rate of 1.8 percent. OfferMarket typically underwrites Burlington acquisitions at standard rate sheets.
Yes. Montpelier ranks among the larger Vermont investor metros and sees consistent DSCR loan volume from OfferMarket. Submarket variation within Montpelier matters for property selection.
OfferMarket applies the same rate sheet across Vermont metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Burlington, Montpelier, and Vermont 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.
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices. OfferMarket follows standard business-purpose loan structures.
OfferMarket funds rental DSCR in Vermont.
Vermont allows standard DSCR prepay structures; OfferMarket typically uses 3-5 year step down.
OfferMarket typical close: Not publicly published.
Bottom line
For Vermont 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.