OfferMarket
OfferMarket is a Baltimore-based direct lender and marketplace serving U.S. real estate investors, offering DSCR loans, fix-and-flip financing, landlord insurance, off-market property listings, and AI-powered investment calculators across 43 states via a self-serve digital platform.
- Company typePrivate
- Founded2019
- HeadquartersBaltimore, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What OfferMarket does
OfferMarket (OfferMarket Capital LLC) is a Baltimore-based, direct-to-consumer lending and insurance platform serving U.S. real estate investors, founded in 2019 and operating across 43 states. The company's core products are DSCR rental loans (6.25%-8% interest, 0-1 origination points, 30-year terms, soft-credit-pull quoting) and short-term fix-and-flip / bridge / hard money loans (9.75%-12% interest, 1-2 points, 12-24 month terms, up to 90% of purchase price and 100% of rehab budget), supplemented by a Blanket Portfolio DSCR product for scaled investors and a HELOAN option. Around the lending book, OfferMarket runs OfferMarket Insurance, a rate-shopping platform for landlord and fix-and-flip insurance aggregating 40+ carriers with in-house expert review, and an Off-Market Listings Marketplace connecting distressed sellers and wholesalers with proof-of-funds-verified buyers at zero agent fees.
The platform is built around a proprietary instant-quote engine that delivers 60-second DSCR loan quotes without a hard credit pull, a self-serve loan file portal for document upload and tracking, and a suite of 18 free AI-labeled investment calculators covering rental IRR, cash flow, DSCR, fix-and-flip deal scoring, desktop appraisal, and scope-of-work estimation. OfferMarket makes money primarily through origination fees (0-2 points per funded loan, with a $2,000 minimum on short-term products), passes ancillary fees (legal, appraisal, title) through at cost, and earns insurance referral/broker commissions; the pricing is positioned as an explicit "everyday low, no junk fees" model with no rate spreads, servicing fees, or negotiation.
Go-to-market is entirely digital: SEO/content marketing (blog, guides, glossary, state-level DSCR pages), free calculators as top-of-funnel acquisition, organic Google search (where OfferMarket holds a Google Preferred Source badge), and a $250/$250 no-cap referral program. The company has 1-10 employees, a 25,000+-investor community, a 4.5/5 rating across 57 Google reviews, no disclosed outside funding, no parent company, and no public revenue figures. The CEO is Daniel Sperling-Horowitz, the only disclosed member of the management team.
OfferMarket firmographics
Firmographics- Name
- OfferMarket
- Legal name
- OfferMarket Capital LLC
- Website
- https://offermarket.us
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- OfferMarket is a Baltimore-based direct lender and marketplace serving U.S. real estate investors, offering DSCR loans, fix-and-flip financing, landlord insurance, off-market property listings, and AI-powered investment calculators across 43 states via a self-serve digital platform.
- Ownership category
- akta.pro rank
OfferMarket industry classification
Industry- Product category
- Private real estate investment lending
- NAICS
- Offices of Real Estate Agents and Brokers (5312)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)
- akta.pro secondary industry
- Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)
Keywords
Where OfferMarket is headquartered
LocationHeadquarters
- HQ city
- Baltimore
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
OfferMarket business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Loan Origination Fees: OfferMarket earns origination fees (points) on all loans originated through the platform. Origination fees range from 0-1 point for DSCR loans and 1-2 points for fix and flip, hard money, bridge, and fix and rent loans. Minimum origination fee of $2,000 for fix and flip products. This is the primary revenue stream, with all other fees (legal, appraisal, title) passed through at cost.
- Insurance Referral/Commission: OfferMarket Insurance operates as an insurance rate shopping platform connecting investors with 40+ carrier quotes. Revenue likely derived from referral commissions or broker fees from insurance carriers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | DSCR (Rental) Loans - 6.25% to 8% interest rate, 0-2 points, 30-year term |
| Transaction based/ take rate | Pay-as-you-go | Fix and Flip/Bridge/Hard Money Loans - 9.75% to 12% interest rate, 1-2 points, 12-24 month term |
| Other | Annual | Insurance Products - Landlord and Fix & Flip coverage from 40+ carriers |
| Outcome Based/ Performance | Pay-as-you-go | Referral Program - $250 per funded loan |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels7 records
OfferMarket product offering
Product offeringCore offering
OfferMarket is a unified digital platform that originates real estate investor financing as both a direct lender (OfferMarket Capital LLC) and a super broker, offering DSCR (rental) loans, fix and flip / bridge / hard money / slow flip / HELOAN / blanket portfolio loans, landlord and fix-and-flip insurance shopped across 40+ carriers, an off-market property marketplace connecting sellers with verified buyers, and a free suite of 18 AI-powered investment calculators — all accessed through a self-serve online portal serving investors in 43 US states.
Product overview
OfferMarket is a unified real estate investing platform combining private lending, insurance, and off-market deal flow. The core offerings include DSCR loans (the primary product for long-term rental property financing), Fix and Flip/Bridge/Hard Money loans (for short-term renovation investments), Landlord and Fix and Flip Insurance (shopping 40+ carriers), and an Off-Market Listings Marketplace connecting investors with sellers. A suite of 18 free AI-powered investment calculators (rental property analysis, DSCR, fix and flip, desktop appraisal, scope of work, etc.) supports the lending products. The platform is built for experienced real estate investors and operates as both a direct lender (via OfferMarket Capital LLC) and a rate-shopping service in certain states. The products are integrated within a single platform where loans, insurance, and listings work together as a complete investing toolkit.
Differentiator
Problem solved
Functional benefit
Products and services
- DSCR (Rental) Loan Debt Service Coverage Ratio loan that qualifies rental property investors based on property cash flow rather than personal income documentation. Available as 30-year fixed rate or interest-only terms for 1–4 unit residential rental properties (single family, duplex, triplex, quadplex, townhome, warrantable condo) with rates from 6.25%–8%, 0–1 origination point, $55,000–$2,000,000 loan amounts, up to 80% LTV, and minimum FICO 680.
- Fix and Flip Loan Short-term bridge / hard money loan for purchasing and rehabilitating investment properties. Funds up to 90% of purchase price and 100% of rehab budget, with up to 75% LTARV, 1–2 origination points ($2,000 minimum), 9.75%–12% interest rates, 12–18 month terms, no prepayment penalty, and same-day-to-2-business-day draw processing.
- Bridge Loan Short-term bridge financing for real estate investors who need immediate capital, often used to bridge between property transactions while positioning for a longer-term rental loan or sale.
- Hard Money Loan Asset-based short-term loan using the investment property as collateral, typically for fix and flip or quick-turnaround real estate investments.
- Slow Flip Loan Loan product for longer-term fix and flip strategies where investors hold properties across extended renovation periods, providing capital beyond the standard fix-and-flip timeline.
- HELOAN (Home Equity Line of Credit Loan) Home equity line of credit–based loan product for real estate investors looking to leverage equity in owned properties.
- Blanket Portfolio DSCR Loan DSCR loan program for blanket portfolios covering multiple rental properties, with a minimum portfolio size of $100,000 and a per-property minimum of $50,000, designed for investors scaling larger rental portfolios.
- Landlord Insurance Insurance rate-shopping platform specialized in landlord coverage. Provides rental property insurance including property coverage, general liability, business interruption, and flood options, shopping 40+ carriers in one query with in-house expert review included free. Customers save an average of $200+ per policy and up to $500 per policy through coverage gap identification.
- Fix and Flip Insurance (Builders Risk) Builders Risk insurance for investment properties under renovation. Provides $1,000,000 per occurrence and $2,000,000 aggregate coverage against accidents on the job site, designed to protect flip-and-hold and fix-and-flip projects during construction.
- Off-Market Listings Marketplace Direct-to-seller marketplace that connects tired landlords, distressed sellers, and wholesalers with OfferMarket's network of pre-approved, proof-of-funds verified buyers. Supports listing creation, blast emails to the buyer network, and direct messaging between seller and buyer, with zero agent fees and support for assignment-of-contract and for-sale-by-owner listings.
- Investment Property Calculators (18 AI-Powered Tools) Free suite of 18 AI-powered investment analysis calculators for real estate investors, including Rental Property (IRR, cash flow, DSCR, cap rate), Fix and Flip, BRRRR, ARV, Cash Flow, Cash Offer, Cash on Cash Return, Closing Cost, Construction Loan, Desktop Appraisal, DSCR, DSCR Loan, DTI, Escrow, IRR, Land Loan, MAO (Maximum Allowable Offer), Prorated Rent, and Scope of Work (rehab budget from property photos). Tools auto-fill rent, taxes, insurance, and comps, then run scenarios in under a minute, with saved analyses shareable across devices.
Quantifiable outcome
- Landlord insurance customers save an average of $200+ per policy, with potential savings of up to $500 per policy through coverage gap identification
- +2 more outcomes
Companies that use OfferMarket
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles4 records
OfferMarket technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
OfferMarket partnerships and signals
Strategic signalScale indicators4 records
Recent moves1 record
Expansion highlights5 records
OfferMarket competitors and assessment
Company assessmentDirect peers
- Kiavi: Direct DSCR and fix-and-flip lender for real estate investors, formed from the merger of Roc Capital and Yrefy. Operates as a balance-sheet lender plus broker model across most US states, the same niche as OfferMarket.
- Visio Lending: Pioneering DSCR rental loan lender focused exclusively on real estate investors and asset-based qualification. Highly comparable to OfferMarket's flagship DSCR program and pricing model.
- Lima One Capital: Direct specialty lender for DSCR rental, fix-and-flip, new construction, and portfolio rental loans to investors. Newrez-owned platform targeting the same borrower profile and loan products.
- Patch of Land: Real estate marketplace lending platform connecting investors with passive capital for fix-and-flip and rental loans. Comparable non-bank marketplace model for property-backed lending.
- New Silver: Hard money and fix-and-flip lender serving real estate investors with short-term renovation financing, plus longer-term rental options. Closely overlaps OfferMarket's fix-and-flip and bridge products.
- LendingOne: Direct lender offering DSCR rental, fix-and-flip, and new construction loans to real estate investors nationwide. Operates in the same primary borrower segment with overlapping product set.
- Groundfloor: Real estate debt marketplace and crowdfunding platform that originates or funds short-term property-backed loans from individual and institutional investors. Comparable marketplace-style real estate lending model.
Broad incumbents
- Roofstock: Single-family rental investment marketplace where investors buy turnkey rental properties; broader incumbent across real estate investor services with overlap to OfferMarket's listings marketplace.
- AcreTrader: Online farmland investing platform with broader real estate investment exposure; adjacent as a digital investment marketplace serving individual investors, though not a direct lending competitor.
Emerging players
- Fundrise: Direct-to-consumer real estate investment platform offering eREITs and private real estate funds to individual investors; serves an overlapping investor segment with a different product mix, relevant as a community/ecosystem comparator.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
OfferMarket social profiles
Digital presenceOfferMarket financial estimates
Financial estimateRevenue estimate
Valuation estimate
OfferMarket leadership team
Management profileNumber of profiles
Profiles1 record
OfferMarket funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OfferMarket M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about OfferMarket
What does OfferMarket do?
OfferMarket is a unified digital platform that originates real estate investor financing as both a direct lender (OfferMarket Capital LLC) and a super broker, offering DSCR (rental) loans, fix and flip / bridge / hard money / slow flip / HELOAN / blanket portfolio loans, landlord and fix-and-flip insurance shopped across 40+ carriers, an off-market property marketplace connecting sellers with verified buyers, and a free suite of 18 AI-powered investment calculators — all accessed through a self-serve online portal serving investors in 43 US states.
Is OfferMarket a public or private company?
OfferMarket is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was OfferMarket founded?
OfferMarket was founded in 2019. It employs 1 to 10 people.
Where is OfferMarket based?
OfferMarket is headquartered in Baltimore, United States, in the North America region.
How does OfferMarket make money?
Two revenue lines are on record. Loan Origination Fees are the primary driver. The others are insurance Referral/Commission.
Who are OfferMarket's main competitors?
Direct peers on record are Kiavi, Visio Lending, Lima One Capital, Patch of Land, New Silver, LendingOne and Groundfloor. Broad incumbents are Roofstock and AcreTrader. Fundrise is listed as an emerging player.
Does OfferMarket have an API?
No public API is recorded for OfferMarket.
What industry is OfferMarket in?
OfferMarket's product category is Private real estate investment lending. Its primary akta.pro industry code is FSALABAJ, Mortgage Comparison, Marketplace & Rate-Shopping Platforms, with a secondary code of FSAKAHAG, Real Estate / Property-Backed Marketplace Lending (Non-mortgage). Its NAICS code is 5312 and its SIC code is 6162.