OfferMarket for West Virginia 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.
West Virginia context
West Virginia deep cash flow market. Low entry prices.
How OfferMarket positions in West Virginia
The West Virginia lender pool for DSCR includes OfferMarket among the active platforms. West Virginia top metros (Charleston, Morgantown, Huntington) see meaningful OfferMarket loan volume.
City-level coverage in West Virginia
OfferMarket provides DSCR coverage across West Virginia metros including Charleston, Morgantown, and Huntington. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. OfferMarket program terms apply uniformly across West Virginia 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 |
| West Virginia property tax | 0.6% |
| West Virginia state income tax | 5.12% |
OfferMarket strengths in West Virginia
- 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 West Virginia coverage. OfferMarket is based in an undisclosed location and operates in states not publicly disclosed.
Charleston is the top investor market in West Virginia and is generally within OfferMarket states not publicly disclosed footprint. Charleston property tax follows the West Virginia state rate of 0.6 percent. OfferMarket typically underwrites Charleston acquisitions at standard rate sheets.
Yes. Morgantown ranks among the larger West Virginia investor metros and sees consistent DSCR loan volume from OfferMarket. Submarket variation within Morgantown matters for property selection.
OfferMarket applies the same rate sheet across West Virginia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charleston, Morgantown, and Huntington 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.
West Virginia deep cash flow market. Low entry prices. OfferMarket follows standard business-purpose loan structures.
OfferMarket funds rental DSCR in West Virginia.
West Virginia allows standard DSCR prepay structures; OfferMarket typically uses 3-5 year step down.
OfferMarket typical close: Not publicly published.
Bottom line
For West Virginia 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.