Angel Oak Mortgage Solutions for Alabama investors
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.
Alabama context
Alabama has one of the lowest property tax rates in the country, making DSCR cash flow economics strong. Strong investor activity in Birmingham, Huntsville, and Mobile.
How Angel Oak Mortgage Solutions positions in Alabama
For Alabama specifically, Angel Oak Mortgage Solutions fits investors who match the hard money approach. The high cash flow profile of Alabama aggregate makes it a target market for Angel Oak Mortgage Solutions.
City-level coverage in Alabama
Angel Oak Mortgage Solutions provides DSCR coverage across Alabama metros including Birmingham, Huntsville, and Mobile. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across Alabama metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $100K - $3.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 85% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Alabama property tax | 0.4% |
| Alabama state income tax | 5% |
Angel Oak Mortgage Solutions strengths in Alabama
- 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.
FAQ
Yes, operates nationally including Alabama. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
Birmingham is the top investor market in Alabama and falls within Angel Oak Mortgage Solutions national coverage. Birmingham property tax follows the Alabama state rate of 0.4 percent. Angel Oak Mortgage Solutions typically underwrites Birmingham acquisitions at standard rate sheets.
Yes. Huntsville ranks among the larger Alabama investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Huntsville matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across Alabama metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Birmingham, Huntsville, and Mobile all qualify for the same Angel Oak Mortgage Solutions program.
Angel Oak Mortgage Solutions does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Alabama has one of the lowest property tax rates in the country, making DSCR cash flow economics strong. Strong investor activity in Birmingham, Huntsville, and Mobile. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in Alabama.
Alabama allows standard DSCR prepay structures; Angel Oak Mortgage Solutions typically uses 3-5 year step down.
Angel Oak Mortgage Solutions typical close: Not publicly published.
Bottom line
For Alabama DSCR borrowers, Angel Oak Mortgage Solutions is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Angel Oak Mortgage Solutions.