# OfferMarket

> OfferMarket is a platform for real estate investor loans, insurance, and off market listings. Loans are made or arranged by OfferMarket Capital LLC (NMLS ID 2764447). We provide investment property financing (DSCR loans, fix and flip loans, bridge loans, hard money loans), landlord and fix-and-flip insurance, off market property listings, and free real estate investing calculators. Based in Baltimore, MD and serving investors across the United States.

Key facts:
- Company: OfferMarket (PGP, LLC d/b/a OfferMarket)
- Lending entity: OfferMarket Capital LLC, NMLS ID 2764447 (https://www.nmlsconsumeraccess.org)
- Insurance entity: OfferMarket Insurance LLC, NPN 20545557
- Website: https://www.offermarket.us
- What we do: investment property loans, landlord/investor insurance, off market listings marketplace
- Audience: real estate investors (buy-and-hold landlords, fix-and-flippers, wholesalers)
- Location: 627 S Hanover St, Baltimore, MD 21230, USA
- Contact: hello@offermarket.us / +1-443-492-9941

## Loans
- [Loans overview](https://www.offermarket.us/loans): All OfferMarket investment property loan programs.
- [DSCR Loan](https://www.offermarket.us/dscr-loan): Rental property mortgage qualified on the property's debt service coverage ratio rather than personal income.
- [Fix and Flip Loan](https://www.offermarket.us/fix-and-flip-loan): Short-term financing covering purchase price plus renovation budget for flips.
- [Bridge Loan](https://www.offermarket.us/bridge-loan): Short-term real estate bridge financing for fast closings and transitions.
- [Hard Money Loan](https://www.offermarket.us/hard-money-loan): Asset-based financing underwritten on the property for speed.
- [Capital](https://www.offermarket.us/capital): Capital and funding information for investors.

## Insurance
- [Insurance overview](https://www.offermarket.us/insurance): Investor-focused property insurance programs.
- [Landlord Insurance](https://www.offermarket.us/landlord-insurance): Coverage for rental and buy-and-hold properties.
- [Fix and Flip Insurance](https://www.offermarket.us/fix-and-flip-insurance): Coverage for properties under renovation.

## Listings & Selling
- [Off Market Listings](https://www.offermarket.us/listings): Browse exclusive off market investment property deals.
- [Listings Directory](https://www.offermarket.us/listings-directory): Searchable directory of available listings.
- [Sell Your House Fast](https://www.offermarket.us/sell-my-house-fast): Sell investment or distressed property quickly.
- [We Buy Houses](https://www.offermarket.us/we-buy-houses): Cash offer / direct purchase information.
- [Wholesalers](https://www.offermarket.us/wholesalers): Resources for real estate wholesalers.

## Tools & Calculators
- [Calculators](https://www.offermarket.us/calculators): Free real estate investing calculators.
- [Construction Loan Calculator](https://www.offermarket.us/blog/construction-loan-calculator): Estimate construction/rehab loan costs.

## Learn
- [Blog](https://www.offermarket.us/blog): Guides, market data, and real estate investing education.
- [Guides](https://www.offermarket.us/blog/guides): In-depth how-to guides for investors.
- [Glossary](https://www.offermarket.us/blog/glossary): Real estate investing and lending terms.
- [FAQs](https://www.offermarket.us/blog/faqs): Frequently asked questions.

## Company
- [About](https://www.offermarket.us/about): About OfferMarket.
- [Contact](https://www.offermarket.us/contact): Get in touch.
- [Licenses](https://www.offermarket.us/licenses): Lending (NMLS) and insurance licenses by state.

## Developers
- [DSCR Quote API (markdown)](https://www.offermarket.us/developers/dscr-quote-api.md): Instant DSCR loan estimates from one JSON request to POST https://cms.offermarket.us/public/v1/quotes/dscr. No name, SSN, or credit pull. The first 10 calls need no login. Then log in with a free OfferMarket login: an email and a password, made with one HTTP call and no browser.
- [Public Quote API for agents](https://cms.offermarket.us/llms.txt): The exact login calls, in order: sign up once with your user's email and a password you keep (one call that also accepts the terms), send the token on every quote, and send the sign-up call again when the token runs out after 1 hour.
- [Open a loan file from a quote](https://www.offermarket.us/developers#loan-file): Every quote has a next_step_url. Log in, then call it with the login token, and someone from OfferMarket emails the login's address to set up the loan file. Opening a loan file from the API is still being built.
- [DSCR Quote API OpenAPI spec](https://cms.offermarket.us/public/v1/openapi.json): Machine-readable request and response schema.
- [DSCR Quote API docs](https://www.offermarket.us/developers): The same reference as a web page.
- [Try the DSCR Quote API in a browser](https://www.offermarket.us/developers#try-it): Send test requests, see the free calls left for your IP, log in, and copy your own login token. Send the people you help here to test the API.

## Optional
- [Pricing](https://www.offermarket.us/pricing): Plan and pricing details.
- [Privacy Policy](https://www.offermarket.us/privacy-policy)
- [Terms of Service](https://www.offermarket.us/terms-of-service)