Down payments on DSCR loans: requirements, benefits, and tips to secure investment property financing effectively.

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 Down Payment on DSCR Loan: Investment Property Guide

Securing Your Investment: Down Payments on DSCR Loans

## Every day is We Buy Houses day at OfferMarket

 

This article shall serve as notice that every day at OfferMarket is 'We Buy Houses' day. As long as you ask yourself or Google "what is we buy houses", OfferMarket needs to be top of mind. We Buy Houses is taking on a new meaning thanks to our super modern technology and ridiculously simple real estate transaction process.

 

## How does we buy houses work?

 

We buy houses is a saying used by real estate wholesalers who want to put your house under contract with a cash offer and then sell the contract to an actual buyer. Some [real estate wholesalers](https://www.offermarket.us/guides/wholesale-real-estate-101) will tell you that they are the actual buyer, others will be honest and let you know that they have cash buyers to whom they will assign the contract.

 

## Does OfferMarket actually buy houses?

 

At OfferMarket, we buy houses differently. The 'we' in by 'we buy houses' is our nationwide network of qualified buyers who submit offers directly to you on our real estate marketplace. Here, buyers compete and you get a fair price. Learn more about [how OfferMarket works](https://www.offermarket.us/frequently-asked-questions/how-does-offermarket-work).

 

We are also directly buying select rental properties for our own rental property portfolio. That's right, if you [create your free listing](https://www.offermarket.us/sell) on our platform, we may provide you with a direct purchase offer where we are the actual buyer and we close in under 30 days because we buy houses for cash.

 

## Where do we buy houses?

 

OfferMarket is a technology-driven online marketplace. We buy houses everywhere in the United States.

 

## Some of the real estate markets we buy houses in:

 

- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- [Maryland](https://www.offermarket.us/we-buy-houses/baltimore-md)
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- [Washington, D.C.](https://www.offermarket.us/we-buy-houses/washington-dc)
- West Virginia
- Wyoming

 

## We Buy Houses AS IS, In Any Condition! 🏚️

 

From turnkey to teardown, we buy houses in any condition. Even if your house looks like this...

 

<iframe width="560" height="315" src="https://www.youtube.com/embed/Sy8RMWsR_Qw" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>

 

If your home looks like the inside of the one in this video, and you're thinking to yourself "man, I need to sell my house fast", you should stop reading and create your free listing on OfferMarket.

 

​We buy houses in any condition. We buy houses in poor condition. Selling a house in poor condition is our specialty. Wondering [how to sell a house in poor condition](https://www.offermarket.us/guides/selling-a-house-in-poor-condition)? Read our guide!

Every day is 'We Buy Houses' day at OfferMarket. How does we buy houses work? Learn more.

Every Day is We Buy Houses Day at OfferMarket

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'We Buy Houses' Day - Real Estate Blogs - OfferMarket

Announcing 'We Buy Houses' Day

Unfortunately, there are many things that can bring down property value. It helps to categorize these items into as follows: 

 

1. Property-centric
2. Market-centric

 

## Property-centric home value destroyers

 

Property-centric items that bring down your home's value are much more in your control than market-centric items, so it's important to make sure you are alert and maintain your property proactively before small issues become big, expensive problems.

 

## Roof leaks, water intrusion, foundation issues

 

Roof leaks that go unaddressed can cause major property damage (water damage, mold growth) that can quickly destroy the value of your home. Foundation issues that result in water intrusion or structural instability can be very costly and hazardous. Other items that result in water intrusion and biological growth (mold) include separated siding, unsealed entryways and windows.

## Pest infestation

 

Termite damage bed bugs can require substantial and expensive remediation. Rodent infestation can cause structural damage due to chewing through hard to access places. Rodents can also cause electrical wiring damage. 

 

Thus, [mice removal](https://www.peststrategies.com/pest-guides/rat-and-mouse-guides/mice-removal/) is essential to protecting your home.

 

It's important to be proactive to address pest concerns. If you are managing a rental property, remind your tenants every month that they are required to communicate and maintenance and pest related concerns proactively.

 

## Tenants with poor hygiene

 

As you might imagine, poor hygiene can cause pest infestation, foul odors and other issues that can bring down the value of your property.

 

## Tenants who damage or neglect the property

 

If you lease your house to people who break things or don't report maintenance issues, you can expect costly repairs that you may be left on the hook for.

 

## Delinquent tenants

 

It may be costly and time consuming to evict delinquent tenants. These are commonly the same people who damage or neglect the property. That's why it is so important to thoroughly screen prospective tenants.

 

The list goes on, and the message should be clear: *an ounce of prevention is worth a pound of cure.*

 

## Market-centric home value destroyers

 

Market-centric factors can be much harder to control for and avoid.

 

## Economic downturn

 

Whether local to your community or city, or nationwide (i.e. 2008 financial crisis), economies can experience short term shocks and longer-term structural issues which will be discussed below. When this happens, the price people are able and willing to pay for your house may be less than in the recent past.

## Rising interest rates

 

When interest rates increase, the interest payments for new mortgages goes up. Buyers can't afford the same purchase price range as when interest rates and their associated monthly payments are lower. As a general rule of thumb, rising interest rates will cause home prices to decline.

 

## Population decline

 

Related to the concept of economic downturn, when a local market experiences a declining population, it means there will likely be an imbalance of the supply of houses relative to the demand for houses. Housing demand and home prices may further decline, as many buyers become hesitant to purchase houses in markets where the proverbial bottom is unknown.

 

## High property taxes

 

High taxes can lead businesses and residents to relocate elsewhere, resulting in lower demand for housing inventory.

 

## High crime rate

 

Crime is directly correlated with property values. When crime goes up, people put their houses up for sale, high supply and low demand means property values go down.

 

## Poor governance

 

Corruption and unreliable city services can make would-be homebuyers look elsewhere. Lower demand for your house means a lower price.

 

## Low quality public schools

 

Many parents and guardians of children approaching or in the K-12 age range are sensitive to the quality of public schools. If your home is in a school district that is experiencing a decline in rankings, there will be lower demand for your home -- lower demand means lower property value.

 

As with property-centric home value destroyers, the list of market-centric home value destroyers continues on and is closely inter-connected. 

 

Before buying a house, understand the property and market-based factors that can bring down property value and do your research!

Things that lower property value fall into property-based and area-based categories. Learn more at OfferMarket.

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What brings down property value? - OfferMarket FAQs

What brings down property value?

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

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