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</div>
 
 

## How does OfferMarket work?

 

We are a real estate investor platform -- we offer loans, insurance and off market listings. We focus on 1 to 4 unit residential properties.

 

## Fix & flip loans and DSCR loans

 

**Ideal for BRRR investors, rental investors and flippers.**

 

If you're buying or refinancing an investment property, we provide hard money [fix and flip bridge loans](https://www.offermarket.us/blog/fix-and-flip-loans) and [DSCR rental loans](https://www.offermarket.us/blog/dscr-loan-program). No need for tax returns or W2 salaried income, our loans are based on the investment property's cash flow or profit, borrower experience and credit score. 

We specialize in funding 1 to 4 unit residential investment properties properties across 43 states. Access industry-leading terms in under a minute and close on your timeline with our technology-powered [lending platform](https://www.offermarket.us/loans).

 

## Sell to real estate investors

 

**Ideal for wholesalers, property owners, agents with distressed properties.**

 

If you're selling a house in poor condition or a leased rental property, use our powerful and entirely free marketplace to compare multiple as is cash and hard money offers. [Post your off market deals](https://www.offermarket.us/sell) in under a minute, connect with verified buyers and receive qualified offers. Take advantage of marketing, messaging, proof of funds, identity verification, scheduling and offer comparison tools. There's no obligation, you can reject any offer for any reason.

 

## Buy investment properties

 

**Ideal for fix and flip investors, rental property investors, primary residence homebuyers, buyers agents.**

 

If you're buying single family or multifamily real estate, [subscribe for off market deal flow](https://www.offermarket.us/survey/subscribe/deal-flow) and receive alerts for deals in your target markets. [Browse listings](https://www.offermarket.us/) you can't find on the MLS (broker/agent network that feeds listings to Zillow, Redfin, etc.). Chat directly with the seller, schedule tours and submit offers. It's entirely free.

 

## Managed real estate transactions

 

Close your transaction independently outside of our platform, or have us manage your closing to ensure a streamlined, fast, and cost effective close. We charge a low 1% fee to manage your closing.

 

## Insights & Tools

 

Access our unique perspective on the residential real estate market and funding environment with regularly posted educational content on our [real estate blogs](https://www.offermarket.us/blog) and podcast. Use our [tools](https://www.offermarket.us/tools) to help evaluate your deals.

 

Wherever you are in your real estate journey, use OfferMarket to accomplish your goals.

OfferMarket connects you with investment properties and private lenders. Learn how OfferMarket can assist with your real estate journey.

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How does OfferMarket work? | OfferMarket

How does OfferMarket work?

<img load="lazy" src="https://upload.wikimedia.org/wikipedia/commons/e/e9/Flag_of_Howard_County%2C_Maryland.svg" alt="Image of townhomes Howard County Maryland MD flag">

 

We compiled a list of best of the best property management companies Howard county. We identified this list based on our personal experienced or experiences of our clients that have worked with these companied directly. The list presents several convenient metrics to help you understand which firm might be the best fit to help you address your property management needs in Howard county Maryland. Once we present pertinent information regarding each firm, we arm you with framework and questions that you can utilize to zone in on the most talented property manager Howard county. Do your research and have many conversations, it will have a great pay off in terms of a long a fruitful relationship with a property management firm that you end up picking. 

 

## Howard Property
<img load="https://cms.offermarket.us/uploads/Howard_Property_logo_8_10_10_FINAL_0a42cb7d17.bmp" src="link" alt="Howard Property Logo">

 
Description: Since 1988, we have been proudly serving condominium associations and homeowner's associations in the Baltimore region. Backed by more than 30 years of experience in the property management field, we excel in providing the best services at the best value. While based in Howard County, we service all surrounding counties as long as property falls within 25 miles from our office to ensure that we can be responsive. 
 

Website: [https://howardproperty.net/](https://howardproperty.net/) 

Phone: (410) 313-8608 

Google Rating: [3.9](https://www.google.com/search?q=howard+property+reviews&ei=s7uKYeWnFcjLytMPs6uOgAQ&oq=howard+property+reviews&gs_lcp=Cgdnd3Mtd2l6EAMyBggAEAgQHkoECEEYAFAAWABgoAFoAHACeACAAVKIAVKSAQExmAEAoAEBwAEB&sclient=gws-wiz&ved=0ahUKEwilzdW08ov0AhXIpXIEHbOVA0AQ4dUDCA4&uact=5#lrd=0x89b7de5ff3eb609b:0xd856e4b1f81a9b38,1,,,) 

Google Reviews: [37](https://www.google.com/search?q=howard+property+reviews&ei=s7uKYeWnFcjLytMPs6uOgAQ&oq=howard+property+reviews&gs_lcp=Cgdnd3Mtd2l6EAMyBggAEAgQHkoECEEYAFAAWABgoAFoAHACeACAAVKIAVKSAQExmAEAoAEBwAEB&sclient=gws-wiz&ved=0ahUKEwilzdW08ov0AhXIpXIEHbOVA0AQ4dUDCA4&uact=5#lrd=0x89b7de5ff3eb609b:0xd856e4b1f81a9b38,1,,,) 

Property Management Monthly Fee: [Request to find out](https://staging4.howardproperty.net/managementinquiry/) 

Leasing fee: [Request to find out](https://staging4.howardproperty.net/managementinquiry/) 

Lease renewal fee: [Request to find out](https://staging4.howardproperty.net/managementinquiry/) 

 

## PCF Property Management
<img load="lazy" src="https://www.pcfmanagement.com/images/logo.png" alt="PCF Property Management Logo">

 
Description: With over 25 years of experience in Howard and Anne Arundel counties, PCF Property Management offers full service leasing and property management services to fit your needs. Our complete in-house team is available 24/7 to handle everything from licensing and property maintenance to collections. Whether you need help with commercial properties, rental homes or are looking for property management in Maryland, we have you covered. As a leader among property management companies in Maryland we do not simply focus on serving owners, we work to help tenants have a satisfying rental experience. We are not satisfied until you are. 
 

Website: [https://www.pcfmanagement.com/](https://www.pcfmanagement.com/) 

Phone: (410) 480-5200 

Google Ratings: [4.1](https://www.google.com/search?q=pcfmanagement+reviews&oq=pcfmanagement+reviews&aqs=chrome..69i57.10673j0j1&sourceid=chrome&ie=UTF-8#lrd=0x89c81fa079dd5ce3:0xe26a246e9391eb90,1,,,) 

Google Reviews: [81](https://www.google.com/search?q=pcfmanagement+reviews&oq=pcfmanagement+reviews&aqs=chrome..69i57.10673j0j1&sourceid=chrome&ie=UTF-8#lrd=0x89c81fa079dd5ce3:0xe26a246e9391eb90,1,,,) 

Property Management Monthly Fee: [Request to find out](https://www.pcfmanagement.com/property-management) 

Leasing fee: [Request to find out](https://www.pcfmanagement.com/property-management) 

Lease renewal fee: [Request to find out](https://www.pcfmanagement.com/property-management) 

 

## Rent Well Property Management
<img load="lazy" src="https://www.rentwell.com/hubfs/Logo-White%20BG-1.svg" alt="RentWell Property Management Logo">


 
Description: We distinguish ourselves as your premier full-service property management team by using the best of practices, applying the user-friendly, current technologies, and always keeping customer service at the core of our business. To top this off, we offer all of our services at very competitive prices! Rentwell is a professional property management company that cares about what we do and the people we serve. We strive to set the highest standards in our industry. Our mission is to seamlessly manage properties by executing innovative services that provide peace of mind for both owners and residents. Our owners and residents are our top priority! We focus on building success by providing excellent customer service, efficient systems, and responsible growth processes. As a premier professional property management company, everything we do is rooted in innovation. Our highly motivated, energetic team works diligently to improve the systems and tools we utilize every day! 
 

Website: [https://www.rentwell.com/office/baltimore/howard-county](https://www.rentwell.com/office/baltimore/howard-county) 
Phone: (877) 473-6821 

Google Rating: [4.0](https://www.google.com/search?q=rentwell+reviews&oq=rentwell+reviews&aqs=chrome..69i57.3015j0j4&sourceid=chrome&ie=UTF-8#lrd=0x89c81ec00ecdd227:0x6274fd0f35baeb76,1,,,) 

Google Rating: [58](https://www.google.com/search?q=rentwell+reviews&oq=rentwell+reviews&aqs=chrome..69i57.3015j0j4&sourceid=chrome&ie=UTF-8#lrd=0x89c81ec00ecdd227:0x6274fd0f35baeb76,1,,,) 

Property Management Monthly Fee: [Request to find out](https://www.rentwell.com/office/baltimore/contact?hsCtaTracking=faea893c-1210-4d74-8c19-e676eeedc035%7C7378e890-b0e1-4a11-a1a2-7199ac874798) 

Leasing fee: [Request to find out](https://www.rentwell.com/office/baltimore/contact?hsCtaTracking=faea893c-1210-4d74-8c19-e676eeedc035%7C7378e890-b0e1-4a11-a1a2-7199ac874798) 

Lease renewal fee: [Request to find out](https://www.rentwell.com/office/baltimore/contact?hsCtaTracking=faea893c-1210-4d74-8c19-e676eeedc035%7C7378e890-b0e1-4a11-a1a2-7199ac874798) 

## Real Property Management
<img load="lazy" src="https://d3ssz1uz7feir2.cloudfront.net/wp-content/uploads/sites/223/2015/08/RPM_4C_Reliable-Solutions.png" alt="Real Property Management Logo">

 
Description: Real Property Management specializes in residential property management. Regardless of how many rental homes you own, Real Property Management’s strategy is designed to save you money at every stage of the process, so our property management service pays for itself. Many of our clients have only one rental home. We relieve the stress and interruptions that come with property management for homeowners like you who have a single property investment, were unable to sell, relocated for a career opportunity, or inherited or acquired a property. In addition, many of those who have invested in real estate rental homes and began by self-managing their property turn to Real Property Management to save time and avoid hassles. Whatever your situation…we have handled it many times before. With changes in home ownership behavior and more homes “For Rent” than ever before, more investors trust Real Property Management to manage their portfolio of rental properties. We understand the needs of investors, large and small, and have the knowledge and expertise to make managing your portfolio easier. We have the experience to simplify everything for you with one reliable and cost-effective management program. If your investment properties are spread across several states or large geographical areas, we work with other Real Property Management offices nationwide to support your needs. 
 

Website: [https://www.rpmreliablesolutions.com/howard-county-property-management](https://www.rpmreliablesolutions.com/howard-county-property-management) 

Phone: (443) 990-0011 

Google Rating: [4.8](https://www.google.com/search?q=Real+Property+Management+Reliable+Solutions+200+E+Lexington+St+Suite+300+Baltimore%2C+Maryland+21202&oq=Real+Property+Management+Reliable+Solutions+200+E+Lexington+St+Suite+300+Baltimore%2C+Maryland+21202&aqs=chrome..69i57.374j0j4&sourceid=chrome&ie=UTF-8#lrd=0x89c8049c20358c35:0x281f3fd837dd64a2,1,,,) 

Google Rating: [9](https://www.google.com/search?q=Real+Property+Management+Reliable+Solutions+200+E+Lexington+St+Suite+300+Baltimore%2C+Maryland+21202&oq=Real+Property+Management+Reliable+Solutions+200+E+Lexington+St+Suite+300+Baltimore%2C+Maryland+21202&aqs=chrome..69i57.374j0j4&sourceid=chrome&ie=UTF-8#lrd=0x89c8049c20358c35:0x281f3fd837dd64a2,1,,,) 

Property Management Monthly Fee: [Request to find out](https://www.rpmreliablesolutions.com/howard-county-property-management) 

Leasing fee: [Request to find out](https://www.rpmreliablesolutions.com/howard-county-property-management) 

Lease renewal fee: [Request to find out](https://www.rpmreliablesolutions.com/howard-county-property-management) 

 

## HomeWorks Property Management
<img load="lazy" src="https://hwpmmd.com/wp-content/uploads/2019/11/HomeWorksPM-Logo_WhiteColor.png" alt="HomeWorks Property Management Logo">

 
Description: The best in Howard county property management from HomeWorks Property Management LLC, our mission is simple: we want to help local property owners to maximize the returns on their investment, without the stress of being a DIY landlord. Whether you own just one rental home or a large portfolio of local units, we have the know-how and experience necessary to help you succeed. 
 

Website: [https://hwpmmd.com/howard-county-property-management/](https://hwpmmd.com/howard-county-property-management/) 

Phone: (301) 339-8850 

Google Ratings: [4.3](https://www.google.com/search?q=HomeWorks+Property+Management+reviews+howard&ei=ssSKYf-lIvDWytMPtZGi-AM&oq=HomeWorks+Property+Management+reviews+howard&gs_lcp=Cgdnd3Mtd2l6EAMyCAghEBYQHRAeOgcIABBHELADSgQIQRgAUGRY3whg7ApoAXACeACAAVWIAfsDkgEBN5gBAKABAcgBCMABAQ&sclient=gws-wiz&ved=0ahUKEwj_xvb--ov0AhVwq3IEHbWICD8Q4dUDCA4&uact=5#lrd=0x89c80e4b03a49625:0xf6c664ce85107950,1,,,) 

Google Ratings: [89](https://www.google.com/search?q=HomeWorks+Property+Management+reviews+howard&ei=ssSKYf-lIvDWytMPtZGi-AM&oq=HomeWorks+Property+Management+reviews+howard&gs_lcp=Cgdnd3Mtd2l6EAMyCAghEBYQHRAeOgcIABBHELADSgQIQRgAUGRY3whg7ApoAXACeACAAVWIAfsDkgEBN5gBAKABAcgBCMABAQ&sclient=gws-wiz&ved=0ahUKEwj_xvb--ov0AhVwq3IEHbWICD8Q4dUDCA4&uact=5#lrd=0x89c80e4b03a49625:0xf6c664ce85107950,1,,,) 

Property Management Monthly Fee: [8%-10% depending on the plan](https://hwpmmd.com/baltimore-property-management-pricing/) 

Leasing fee: [1 months' rent](https://hwpmmd.com/baltimore-property-management-pricing/) 

Lease renewal fee: [None](https://hwpmmd.com/baltimore-property-management-pricing/) 

 

## Important factors to consider

 

It's not always easy to pick the right property manager. Try to understand their past experience, the fee structures, and the contract details. Understand how long they have been operating in this market and try to tease out any red flag in the initial interview. Remember, when evaluating a property manager other than their monthly fees, there are several important factors that you need to consider to make a good decision. While monthly fees are important, renewal fees and leasing fees are a key consideration, sometimes other services property managers provide might be well worth above average fees. You should always check whether they hold a license and/or credentials alongside at least a few references. Consider reviews and what others have to say about about their experience with each property manager before moving forward and signing a contract. Do your research!

 

Here are additional factors that you should take into the account:

 

- Do they operate out of Howard county? How close they are to your rental property is vital to providing best property management service. 
- Is rent collect handled in person in Howard county or do they have more technologically advanced tools to handle rent collection? Do they charge your tenants extra to collect their rent online?
- Do they have good reviews from their past tenants?
- How do they compare to other top property management companies Howard county?
- Do they have good reviews from other landlords in Howard county?
- How do they handle maintenance request and do the have local Howard county contractors on call?
- What is their approach to finding tenants Howard county?
- Will they advertise your house listings Howard county?
- How do they evict tenant Howard county? And how much will it cost?
- Staff on call and available 24/7 in Howard county
- Do they have reviews reflecting how quickly they address maintenance issues?
- Do they provide any warranties on how quickly they can fill rental vacancies Howard county?
- Are they just getting started or do they have decades of experience in Howard county?
- Do they have a large team of professionals in Howard country to server as back ups
- How many years of experience do they have in Howard county, managing rental in different locations sometimes calls for additional skills
- Do they have a competitive rate for Howard county? If their rate is higher what justifies that? If its lower, is it because they lost clients and need to discount their service?
- Do you feel comfortable entrusting you investment property Howard county to this property management company Howard county after having an interview with them?

 

## Interview questions for Howard county property management companies

 

Its always advisable to have a concrete interview before hiring a property management firm to manage your rentals. Here is a list of interview questions you should ask a potential property management company before hiring them. These questions will tease out and red flags and help you find a good firm and set correct expectations from day one. Make sure to note their responses so you have an easy way to compare between candidate firms. Remember, no questions are off limits, dont feel embarrassed, and if they make it seem weird that you are this thorough they will probably treat any other request that you have the same way, showing you that they are not a good fit to be your management company. Trust your gut, if any of the responses rub you the wrong way, make sure to note that down. If something is wrong in this early stage, then its likely additional problem will follow, especially when you are not in the room and talk to your tenant directly. Loosing a long term tenant because property management sucks is what you want to avoid. Best property management companies Howard county should have easy time giving you solid answers for below questions. 

 

1. Do you hold a license for property management?

2. What kind of services do you offer?

3. What are your management fees?

4. How many properties do you manage in Howard county?

5. Do you have a point of contact who is available 24/7?

6. What is your cancellation policy? 

7. Do you provide any warranties on how quickly you can find a tenant for my rental?

8. What is your process for screening tenants Howard county?

9. How do you decide on rent in Howard county?

10. What have I not asked you that I should know about? (this is a great open ended question that might reveal more about the company that you didn't anticipate)

11. Could you provide references?

 

## Can landlords sell properties with tenants in place? 

 

Landlords believe that they have to empty their properties and stage them to get fair market price. We at OfferMarket exists to dispels this notion. Everyday, tired landlord or busy landlord post their rental properties with tenants in place on our free and open real estate marketplace and receive market or even above market offers for their cash flowing properties. 

 

OfferMarket's business is in augmentation of rental portfolios, ether through disposition of properties or through acquisition of attractive rentals with tenants in place. Test the market and get offers on your rental with tenants in place, [create a free listing](https://www.offermarket.us/sell) and see what offers other landlords or investors will give you for your cashflowing property. On the other hand, if you are looking for cash flowing properties, [checkout our map](https://www.offermarket.us/listings) to see if there are any rental properties that might catch your eye, feel free to talk directly to the seller, schedule a tour or submit an offer, completely free and without any obligations. OfferMarket exists to help Maryland landlords buy and sell properties, commissions free, with ease and expediency. 

 

Checkout our [listings on our map](https://www.offermarket.us/listings) or [create a free listing to test the market](https://www.offermarket.us)

If you’re a tired landlord needing hassle-free service, OfferMarket offers a list of top Howard County property management companies to handle your business.

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medium_Best_Howard_County_Porperty_Management_companies_537c881172.png

small_Best_Howard_County_Porperty_Management_companies_537c881172.png

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Top Howard County Property Managers - OfferMarket

Best of the best Howard county property management companies

### What is a short sale?
A short sale is the sale of real property in which with proceeds will not cover the outstanding mortgage principal (loan amount).

A short sale is a sale of real property in which with proceeds will not cover the outstanding mortgage principal (loan amount).

Short Sale - Real Estate Glossary - OfferMarket

What is Short Sale in real estate?

Grow your real estate investing business with the most competitive DSCR loan product. OfferMarket provides DSCR rental loans, bridge loans, hard money, fix and flip, slow flip, and ground up construction loans.

Private Lending | OfferMarket

Private Lending

What is the DSCR Formula?

DSCR Meaning

DSCR Examples

What is a DSCR Loan?

Instant DSCR Loan Quotes and more from OfferMarket

**Last updated:** October 20, 2025

**DSCR** stands for Debt Service Coverage Ratio. DSCR is a cash flow metric used by lenders to determine how much debt an investment property can support based on the cash flow generated by the property. 

DSCR is not just used in the real estate industry, it is used across all industries where lenders are determining a qualifying loan amount based on the cash flow generated by an asset such as any business. This guide is specifically focused on real estate investors.

## What is the DSCR Formula?

There are two (2) formulas which result in slightly different DSCR values. For this reason, it's important to understand which [DSCR formula](https://www.offermarket.us/blog/dscr-formula) applies to your unique scenario.

[![DSCR Formulas](https://cms.offermarket.us/uploads/DSCR_Formulas_12f8676690.jpg)](https://www.offermarket.us/blog/dscr-formula?ref=content-dscr)

<div style="display: grid; grid-template-columns: repeat(1, minmax(0, 1fr)); overflow: auto; white-space: nowrap;">
<table><thead>
 <tr>
 <th>Formula</th>
 <th>Rent ÷ PITIA</th>
 <th>NOI ÷ Debt Service</th>
 </tr></thead>
<tbody>
 <tr>
 <td>Use Case</td>
 <td>1-4 unit residential</td>
 <td>5+ unit multifamily, commercial, banks </td>
 </tr>
 <tr>
 <td>Lender type</td>
 <td>Non-bank private lenders</td>
 <td>Non-bank private lenders, banks, credit unions</td>
 </tr>
</tbody>
</table>
</div>

## DSCR Meaning

A DSCR above 1.0 means cash flows are positive after paying the ongoing loan costs, while a DSCR below 1.0 means that cash flows are negative. A DSCR of 1.0 therefore indicates breakeven cash flow.

Since the vast majority of DSCR loans use method 1 (Rent ÷ PITIA), we will focus on this DSCR formula as we share insights and example scenarios.

<div style="display: grid; grid-template-columns: repeat(1, minmax(0, 1fr)); overflow: auto; white-space: nowrap;">
<table><thead>
 <tr>
 <th></th>
 <th>Meaning</th>
 </tr></thead>
<tbody>
 <tr>
 <td>&gt; 1.0</td>
 <td>Positive cash flow</td>
 </tr>
 <tr>
 <td>1.0</td>
 <td>Breakeven cash flow</td>
 </tr>
 <tr>
 <td>&lt; 1.0</td>
 <td>Negative cash flow</td>
 </tr>
</tbody>
</table>
</div>

### DSCR Greater Than 1.0

A DSCR greater than 1.0 means the property generates positive free cash flow. This means the property's rental income exceeds the property's costs. If you have a bank account strictly for this property, you should expect the cash balance to increase every month unless one or more of the following things happens:

- Tenant stops paying rent
- Taxes increase
- Insurance premium increases
- Maintenance is required
- Property management costs increase

### DSCR Equal To 1.0

A DSCR equal to 1.0 means the property operates at breakeven cash flow. This means the property's rental income is exactly the same as the property's costs. If you have a bank account strictly for this property, you should expect the cash balance to remain unchanged every month unless one or more of the following things happens:

- Tenant stops paying rent
- Rent increases
- Taxes increase or decrease
- Insurance premium increase or decrease
- Maintenance is required
- Property management costs increase or decrease

### DSCR Less Than 1.0

A DSCR less than 1.0 means the property generates negative free cash flow. This means the property's rental income is less than the property's costs. If you have a bank account strictly for this property, you should expect the cash balance to go down (dangerous!) every month unless one or more of the following things happens:

- Rent increases
- Taxes decrease (not likely!)
- Insurance premium decreases
- Property management costs increase or decrease

---

[![Got landlord insurance, shop now, takes 1 minute, shops 40+ carriers.](https://cms.offermarket.us/uploads/Got_landlord_insurance_c09902fc1b.jpg)](https://www.offermarket.us/insurance?ref=content-dscr)

---

## DSCR Examples

### Example 1: High DSCR

Let's say you're purchasing a SFR with a DSCR loan. You want to have the lowest possible down payment and therefore the highest possible LTV. You find a DSCR lender called OfferMarket and you get the following quote:

- Purchase price: $200,000
- Loan amount: $160,000 (80% LTV)
- Interest rate: 6.25%
- Annual taxes: $2,000
- Annual insurance: $1,000
- Annual HOA: $0
- Monthly rent: $2,000
- Monthly payment: $1,261
- DSCR: 1.59

In this example, the property generates $739 in monthly free cash flow which most rental property investors would find particularly attractive as a starting point from which rents can be gradually increased over time.

[![Try the #1 ranked DSCR calculator for 1-4 unit rental property investors.](https://cms.offermarket.us/uploads/Try_the_1_ranked_DSCR_calculator_15b4daa77e.jpg)](https://www.offermarket.us/blog/dscr-calculator?ref=content-dscr)

### Example 2: Low DSCR

Now let's say you're a [BRRRR method](https://www.offermarket.us/blog/brrrr-method) investor and you're getting a [cash out refi with no seasoning](https://www.offermarket.us/blog/cash-out-refi-no-seasoning). You really want 75% LTV but the DSCR is too low and it's looking like you'll need to lower your LTV in order to qualify your DSCR loan.

<div style="display: grid; grid-template-columns: repeat(1, minmax(0, 1fr)); overflow: auto; white-space: nowrap;">
<table><thead>
 <tr>
 <th>Criteria</th>
 <th>75% LTV</th>
 <th>70% LTV</th>
 </tr></thead>
<tbody>
 <tr>
 <td>Interest rate</td>
 <td>6.50%</td>
 <td>6.25%</td>
 </tr>
 <tr>
 <td>Loan amount</td>
 <td>$150,000</td>
 <td>$140,000</td>
 </tr>
 <tr>
 <td>DSCR</td>
 <td>0.95</td>
 <td>1.01</td>
 </tr>
 <tr>
 <td>Cash out proceeds</td>
 <td>$142,000</td>
 <td>$133,000</td>
 </tr>
 <tr>
 <td>Loan commitment</td>
 <td>No, DSCR too low</td>
 <td>Yes</td>
 </tr>
</tbody>
</table>
</div>

In this example, the DSCR at 75% LTV is below the 1.0 minimum which has become the industry standard. Even if your DSCR lender will allow a DSCR below 1.0, from a risk management perspective, this is not advised. At OfferMarket, we strongly recommend a DSCR of 1.1 or higher because a DSCR of 1.0 will not build cash reserves for the inevitable maintenance and vacancy you will need to budget for.

## What is a DSCR Loan?

The DSCR loan is a fast-growing financing tool used by rental property investors, which bases qualification strictly on the DSCR of the property and the borrower's credit score, instead of the borrower's verifiable income (i.e. W-2, tax returns).

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## Instant DSCR Loan Quotes and more from OfferMarket

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OfferMarket is a real estate investing platform focused on serving rental property investors, small builders and flippers. We focus exclusively on 1-4 unit residential properties in non-rural markets. 

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DSCR stands for Debt Service Coverage Ratio. DSCR is a cash flow metric where 1.0 is breakeven. Learn DSCR formulas and industry-leading insights.

DSCR formulas, insights, loans, meaning. Complete guide for rental property investors.

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