Requirements
OfferMarket lending requirements
The published qualifying criteria for OfferMarket — the thresholds a deal is screened against before anything else about it matters. Verified Sep 17, 2026.
Minimum credit score
660
OfferMarket sets its credit floor at 660. A borrower scoring below that is not eligible for this program, independent of how the property itself cash-flows.
Minimum DSCR
0.75
A 0.75 minimum accepts a property whose rent covers only 75% of its full monthly payment — principal, interest, taxes, insurance and association dues. A property renting for $1,500 against a $2,000 payment scores exactly a 0.75 DSCR and clears this floor; the same property would be declined outright at a program whose floor sits at 1.00. See How DSCR is calculated.
Maximum leverage
80% LTV / 80% LTC
Maximum loan-to-value is 80% of the property's appraised value — the borrower brings at least 20% of value in cash or equity. Maximum loan-to-cost is 80% of total project cost — purchase price plus rehab budget. That is the binding number on a value-add deal where the finished value will exceed the purchase price, since an LTV cap alone would understate what OfferMarket will actually lend against the project.
Origination channel
Direct
OfferMarket originates directly — there is no broker in the loan.
Reading these thresholds together
OfferMarket publishes 4 of the 7 criteria categories this directory tracks (credit score, DSCR, leverage, loan size, entity requirement, origination channel, and state coverage). Any category not shown above is not publicly disclosed by OfferMarket as of Sep 17, 2026 — treat an absent category as unknown, not as "no requirement."
None of these thresholds are guarantees. A deal that clears every published floor still goes through underwriting on the specific property, borrower history, and documentation and entity structure . These are the gates a deal has to clear before that review even starts.