OfferMarket Review
Founded 2020 · Baltimore, MD · Nationwide
3.7
Editor Rating
OfferMarket is a tech-enabled DSCR lender offering competitive 30-year rental loans with a focus on investor education and transparent pricing.
Editor's Take
OfferMarket pairs DSCR lending with strong investor education — their content library helps first-time DSCR borrowers understand the product before they apply. If you're new to DSCR loans and want a lender that will educate rather than just sell, OfferMarket's approach is refreshing. Rates are competitive and the process is straightforward.
— Bill Rice, 30+ year mortgage lending veteran
OfferMarket Review: The Full Breakdown
OfferMarket is one of the newer names on this list, and it comes at investor financing from a different angle than the big balance-sheet lenders. It was founded in 2020 by Daniel Sperling-Horowitz (CEO) and Martin Terskin (CTO), who met at the University of Maryland, and it runs as a fully remote company out of Maryland. The lending arm, OfferMarket Capital, sits alongside an off-market property marketplace and an insurance marketplace — the pitch is a one-stop platform for buy-and-hold investors rather than a pure lender.
On the loan side, OfferMarket focuses on 30-year DSCR rental loans, with rates roughly 6.5%–8.5% up to 80% LTV and no experience requirement, so it will work with first-time investors. The differentiator they lean into is transparency and education: published pricing and a deep content library aimed at helping a borrower understand the DSCR product before they commit, rather than pushing them through a sales funnel.
The trade-off is what you'd expect from a younger, leaner shop — DSCR only (no fix-and-flip or bridge), a shorter track record, and a smaller team than a Kiavi or a CoreVest. For an investor who values a straightforward 30-year rental loan and wants to be educated along the way, that's a fair trade; just confirm current terms and NMLS registration before you apply.
Pros & Cons
Pros
- Transparent pricing — no hidden fees
- Strong investor education content
- Competitive DSCR rates
- Works with first-time investors
Cons
- DSCR only — no fix-and-flip or bridge
- Newer company — less track record
- Smaller team than major lenders
Loan Products Offered
Eligible Property Types
Best For
OfferMarket Review: Frequently Asked Questions
Is OfferMarket a legitimate lender?
OfferMarket is an established lender founded in 2020 and headquartered in Baltimore, MD. It lends nationwide and specializes in DSCR loans. To verify it for yourself, confirm OfferMarket's current NMLS registration and state licensing, check its Better Business Bureau (BBB) profile and reviews, and compare written quotes before you apply.
What are the pros and cons of OfferMarket?
Pros: Transparent pricing — no hidden fees; Strong investor education content; Competitive DSCR rates. Cons: DSCR only — no fix-and-flip or bridge; Newer company — less track record; Smaller team than major lenders.
What credit score do you need for OfferMarket?
OfferMarket's published minimum credit score is 640. A higher score generally unlocks better rates and higher leverage. Requirements vary by loan program and are subject to change.
What rates and fees does OfferMarket charge?
OfferMarket's rates run approximately 6.5%–8.5% with origination fees of 1–2 points, on loans from $75K to $2M (up to 80% LTV). All figures are approximate and subject to change — request a written quote for your scenario.
Can you close with OfferMarket in an LLC?
Yes. OfferMarket allows investors to take title in an LLC, which many use for liability protection and cleaner portfolio organization.
How fast can OfferMarket close a loan?
OfferMarket typically closes in 21–30 days, depending on the loan program, the property, and how quickly you provide documentation.
Disclaimer: Rates, terms, and requirements shown are approximate and based on publicly available information as of March 2026. Actual terms may vary based on your credit profile, property details, and market conditions. Always verify current terms directly with the lender before making financing decisions. ProInvestorHub provides editorial reviews for educational purposes and does not guarantee loan approval or specific terms.