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When you [shop for insurance](https://www.offermarket.us/insurance?ref=content-am-best-ratings), whether it's **Landlord Insurance** or **Fix and Flip Insurance**, it's important to choose an insurer that is financially strong and able to meet its obligations detailed in your insurance policy.

Many private lenders, including [OfferMarket Capital](https://www.offermarket.us/loans?ref=content-am-best-ratings), have a minimum AM Best rating requirement for [DSCR Loans](https://www.offermarket.us/blog/dscr-loan-program) and [Fix & Flip Loans](https://www.offermarket.us/blog/fix-and-flip-loans). 

At OfferMarket, we require all policies be written through insurers with a minimum of A- / VIII. As you will see from the ratings tables below, that means the insurer must be considered to have an "Excellent" ability to meet their ongoing insurance obligations, and their policyholder surplus must be at least $100 million.

## What is AM Best?

AM Best is a financial services rating agency that specializes in assessing the financial strength and size of insurance companies.

## Financial Strength Rating (FSR) Scale

The Financial Strength Rating is a statistical assessment of an insurer's ability to meet their ongoing insurance obligations. AM Best assigns a financial strength rating from A++ (Superior) through D (Poor). Our private lending division, OfferMarket Capital, requires a minimum FSR of A- (Excellent).

<div style="display: grid; grid-template-columns: repeat(1, minmax(0, 1fr)); overflow: auto; white-space: nowrap;">
<table>
<thead>
  <tr>
    <th>Rating<br>Categories</th>
    <th>Rating<br>Symbols</th>
    <th>Rating<br>Notches*</th>
  </tr>
</thead>
<tbody>
  <tr>
    <td>Superior</td>
    <td>A+</td>
    <td>A++</td>
  </tr>
  <tr>
    <td>Excellent</td>
    <td>A</td>
    <td>A-</td>
  </tr>
  <tr>
    <td>Good</td>
    <td>B+</td>
    <td>B++</td>
  </tr>
  <tr>
    <td>Fair</td>
    <td>B</td>
    <td>B-</td>
  </tr>
  <tr>
    <td>Marginal</td>
    <td>C+</td>
    <td>C++</td>
  </tr>
  <tr>
    <td>Weak</td>
    <td>C</td>
    <td>C-</td>
  </tr>
  <tr>
    <td>Poor</td>
    <td>D</td>
    <td>-</td>
  </tr>
</tbody>
</table>
</div>

<br>

## Financial Size Category (FSC)

The Financial Size Category is a measure of **Policyholder Surplus** which is calculated by subtracting the insurance company's liabilities from its assets. The greater the policyholder surplus, the better able the insurance company can withstand adverse economic conditions and remain solvent.

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<table>
<thead>
  <tr>
    <th>Class</th>
    <th>Policyholder Surplus ($ Millions)</th>
  </tr>
</thead>
<tbody>
  <tr>
    <td>I</td>
    <td>Less than 1</td>
  </tr>
  <tr>
    <td>II</td>
    <td>1 to 2</td>
  </tr>
  <tr>
    <td>III</td>
    <td>2 to 5</td>
  </tr>
  <tr>
    <td>IV</td>
    <td>5 to 10</td>
  </tr>
  <tr>
    <td>V</td>
    <td>10 to 25</td>
  </tr>
  <tr>
    <td>VI</td>
    <td>25 to 50</td>
  </tr>
  <tr>
    <td>VII</td>
    <td>50 to 100</td>
  </tr>
  <tr>
    <td>VIII</td>
    <td>100 to 250</td>
  </tr>
  <tr>
    <td>IX</td>
    <td>250 to 500</td>
  </tr>
  <tr>
    <td>X</td>
    <td>500 to 750</td>
  </tr>
  <tr>
    <td>XI</td>
    <td>750 to 1,000</td>
  </tr>
  <tr>
    <td>XII</td>
    <td>1,000 to 1,250</td>
  </tr>
  <tr>
    <td>XIII</td>
    <td>1,250 to 1,500</td>
  </tr>
  <tr>
    <td>XIV</td>
    <td>1,500 to 2,000</td>
  </tr>
  <tr>
    <td>XV</td>
    <td>2,000 or greater</td>
  </tr>
</tbody>
</table>
</div>

### How to calculate Policyholder Surplus

Assets - Liabilities = Policyholder Surplus

### What is Policyholder Surplus

Policy holder surplus is the liquidation value of an insurance company. If you were to sell all assets and repay all liabilities, the policyholder surplus is what would be left. In business, this is is otherwise known as **book value**.

---

[![Shop 40+ carriers landlord insurance.jpg](https://cms.offermarket.us/uploads/Shop_40_carriers_landlord_insurance_974b0d370b.jpg)](https://www.offermarket.us/insurance?ref=content-am-best-ratings)

---

## Protect and grow your portfolio with OfferMarket

OfferMarket is a real estate investing platform focused on serving rental property investors, specifically 1-4 unit residential properties. Our mission is to help you build wealth through real estate.

☂️ **[Landlord Insurance](https://www.offermarket.us/insurance?ref=content-am-best-ratings)** rate shopping platform specialized in landlord insurance that meets DSCR loan guidelines</br>
🏚️ **[Off Market Properties](https://www.offermarket.us/insurance?ref=content-am-best-ratings)** marketplace featuring hundreds of exclusive and off market deals posted by wholesalers, tired landlords and distressed sellers.</br>
💰 **[Private Lending](https://www.offermarket.us/loans?ref=content-am-best-ratings)** featuring instant quotes and a simple, low cost, transparent borrowing experience for DSCR loans, Fix and Flip loans and Slow Flip loans.</br>
💡 ***[Insights](https://www.youtube.com/channel/UCRoNHXFVgI36SV0QQpyf9fw)** regularly published to provide you with a knowledge advantage.

---

AM Best ratings assess the financial strength and size of insurance companies, minimums of which are often required by private lenders.

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AM Best Ratings | OfferMarket

AM Best Ratings

<br>

## Seller needed to sell fast

<br>

If you need to sell your house fast, we are here to help. Let's meet a seller who received multiple competitive offers within 2 days of launching his Get Offers campaign and closed his sale in just 25 days.

<br>

## Home in poor condition

<br>

Dan from Ocean City, MD had a second home in Parkville, MD in poor condition that he needed to sell fast. He understood that the most likely buyer for his house would either be a fix and flip or a rental property investor, and he wanted to get the best possible offer from verified buyers.

<br>

## Sell house fast for most money

<br>

Dan just wanted to sell his house fast for the highest possible net proceeds -- he didn't want to deal with coordinating repairs, interviewing agents, endless showings and post-inspection negotiations, and he certainly didn't want to handle everything himself in a For Sale By Owner process. 

<br>

Dan did his research and found OfferMarket.

<br>

**Day 1:** Dan filled out our [Get Offers form](https://www.offermarket.us/sell).

<br>

**Day 3:** Free professional photography and a 3D home tour was completed and Dan now had a beautiful listing to [showcase his property](https://www.offermarket.us/listings/22-Maple-Hollow-Ct-Parkville-MD-21234-USA). Dan's Get Offers campaign is officially launched.

<br>

**Day 5:** After just two days of tour requests and buyer verification coordinated entirely by OfferMarket, Dan receives multiple competitive offers at his target price point.

<br>

**Day 7:** Dan selects the best offer (AS IS, cash, close in 21 days or less)

<br>

**Day 25:** Coordinated by OfferMarket, Dan closes his transaction and receives his target proceeds.

<br>

## Seller feedback:

> From start to finish OfferMarket was wonderful to work with. They communicated well in every step of the process and made me feel very comfortable that I was in good hands. I got the price I was looking for and they made the closing process very easy.  I highly recommend OfferMarket.

<br>

## Buyer feedback:

> I enjoyed working with OfferMarket. The team there was very responsive and easy to deal with. They kept to the timeline and the deal closed without a problem.

<br>

Every seller has a story, read our [Google Reviews](https://www.google.com/search?q=offermarket) to see if selling your house fast with OfferMarket is right for you.

<br>

## Sell My House Fast: Get Offers with OfferMarket 👇

Every seller has a Sell My House Fast story to tell. Meet Dan, who sold his house in Parkville, MD in 25 days.

Sell my house fast seller success stories

large_5-Star Reviews - OfferMarket Seller Stories - Blog.jpg

medium_5-Star Reviews - OfferMarket Seller Stories - Blog.jpg

small_5-Star Reviews - OfferMarket Seller Stories - Blog.jpg

thumbnail_5-Star Reviews - OfferMarket Seller Stories - Blog.jpg

Sell My House Fast Success Stories - Blog.jpg

Sell My House Fast: Parkville, MD - OfferMarket Blog

Sell My House Fast Success Story: Dan From Parkville, MD

<br>

If you are buying a house and you are requesting a repair, concession, or change in purchase price, then the answer is yes -- you need to provide the inspection report to the Seller to validate your request.

<br>

If a buyer requests repairs or concessions, they are required to share the home inspection report with the seller in real estate transactions.

Does Buyer need to provide home inspection report to Seller?

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Does Buyer need to provide home inspection report to Seller.jpg

Does Buyer need to provide inspection report to Seller?

Does the Buyer need to provide the inspection report to the Seller?

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

How to sell house fast

Here are the stats from Neil&#39;s campaign:

From the seller:

From the buyer:

Sell My House Fast: Get Offers with OfferMarket 👇

 <br>

## How to sell house fast

<br>

At OfferMarket it's always [Sell My House Fast Day](https://www.offermarket.us/blog/sell-my-house-fast-day) and [We Buy Houses Day](https://www.offermarket.us/blog/we-buy-houses-day). 

<br>

If you need to sell your house fast in Baltimore, we want to be your trusted home sale platform. Let's meet a seller who received multiple competitive offers for his house in Baltimore, MD from OfferMarket's network of qualified buyers.

<br>

Neil wanted to sell his [duplex in Baltimore's Federal Hill neighborhood](https://www.offermarket.us/listings/50-E-Montgomery-St-Baltimore-MD-21230-USA). The problem was that the property was leased to tenants that he did not want to inconvenience with endless showings and distruptions. It was clear to Neil that the ideal buyer would either be a rental property investor, or a buyer willing to wait several months for the leases to expire. The buyer needed to be reliable.

<br>

Neil wanted to get the best possible offer but he didn't know what his property was worth as a leased rental property. He didn't want to put the property on the MLS with an agent and pay over $25,000 in commissions, or risk buyers backing out or re-negotiating after their inspection of the property. He wanted to close the sale quickly for highest possible net proceeds. As an out-of-state landlord with a busy schedule, he definitely didn't want to manage a [For Sale By Owner](https://www.offermarket.us/guides/how-to-sell-a-house-by-owner) sale. 

<br>

Neil carefully evaluated his options and found OfferMarket's [Sell My House Fast Baltimore, MD](https://www.offermarket.us/sell-my-house-fast/baltimore-md) overview. Intrigued by the idea of receiving multiple competitive offers, with OfferMarket charging the winning buyer a flat $5,000 service fee at closing, he filled out our [Get Offers form](https://www.offermarket.us/sell) and let OfferMarket handle it from there.

<br>

## Here are the stats from Neil's campaign:

<br>

- **Safe Showing:** 7 qualified buyers (photo ID, proof of funds)
- **Offers received:** 3
- **Winning offer:** conventional financing, AS IS, close in 23 days
- **Estimated seller savings:** $23,500

<br>

## From the seller:

> I have bought and sold several properties over the last 2 decades and can say without a doubt that my experience with OfferMarket was second to none. From the initial conversation to closing date, their dedication, knowledge and professionalism made all the difference. I would strongly recommend OfferMarket.

<br>

## From the buyer:

> As first time homebuyers my wife and I were constantly warned that we shouldn't go it without an agent. The entire OfferMarket team was extremely responsive, informative, and helpful in making sure we understood every step of the process and felt confident in the decision we were making. While purchasing a home alone is probably a bad idea, purchasing through offerMarket is not going it alone. Thank you OfferMarket!

<br>

Every seller has a story to tell, read our [Google Reviews](https://www.google.com/search?q=offermarket) to see if selling your house fast with OfferMarket is right for you.

<br>

## Sell My House Fast: Get Offers with OfferMarket 👇

Every seller has a Sell My House Fast story to tell. Meet Neil, who saved $23,500 by selling with OfferMarket.

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Sell My House Fast Success Story: Neil From Baltimore, MD

How to sell house fast

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