Overview
Angel Oak Mortgage Solutions is a broker-only wholesale DSCR lender requiring a minimum 680 credit score and a firm 1.00 minimum DSCR. Loan sizes run $100,000 to $3,000,000. Maximum LTV is reported at 85% by one source and roughly 80% by another; this listing uses 85% — confirm the applicable limit directly with a broker. Licensed in 43 states.
Angel Oak Mortgage Solutions's headquarters and founding year are not publicly published. They operate nationally and offer rental DSCR financing. Their loan amount range runs from $100K to $3.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | rental DSCR |
| Geographic coverage | National |
| Loan size | $100K – $3.0M |
| Interest rate range | Not publicly published — quoted per deal |
| Origination points | Not publicly published |
| Minimum credit score | 680 |
| Minimum DSCR | 1.00 |
| How to access | Broker only |
| Max LTV | 85% of ARV |
| Max LTC | 85% of cost |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
Strengths
- Broker-only wholesale DSCR platform
- Firm 1.00 minimum DSCR — no below-1.0 program
- Licensed in 43 states
- Loan sizes from $100K to $3M
Ideal borrower
Broker-originated borrower with a fully qualifying 1.00+ DSCR and 680+ credit score.
How Angel Oak Mortgage Solutions compares
As an institutional non-QM lender, Angel Oak Mortgage Solutions's underwriting is templated and predictable. That is fast for a borrower who fits the box and inflexible for one who does not.
Coverage is the constraint most investors hit first. Angel Oak Mortgage Solutions serves National, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for Angel Oak Mortgage Solutions cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
Angel Oak Mortgage Solutions FAQ
Angel Oak Mortgage Solutions serves National. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
Angel Oak Mortgage Solutions does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience. Request a quote directly.
Angel Oak Mortgage Solutions's typical minimum loan is $100K, with maximum loan size up to $3.0M.
Angel Oak Mortgage Solutions's typical close timeline is Not publicly published. Fast-close depends on documentation quality, title clarity, and underwriting load.
Angel Oak Mortgage Solutions offers rental DSCR financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Broker-originated borrower with a fully qualifying 1.00+ DSCR and 680+ credit score.
This review is an independent directory listing. DSCR Loan Program is not affiliated with Angel Oak Mortgage Solutions, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.