Angel Oak Mortgage Solutions for Arizona 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.
Arizona context
Arizona property tax low. Strong Sunbelt growth metros. STR markets active in Scottsdale, Sedona, Phoenix.
How Angel Oak Mortgage Solutions positions in Arizona
Within Arizona, Angel Oak Mortgage Solutions competes alongside other DSCR lenders. Angel Oak Mortgage Solutions strengths: Broker-only wholesale DSCR platform, Firm 1.00 minimum DSCR — no below-1.0 program. The medium aggregate DSCR economics of Arizona create demand for Angel Oak Mortgage Solutions programs in Phoenix and Tucson particularly.
City-level coverage in Arizona
Angel Oak Mortgage Solutions provides DSCR coverage across Arizona metros including Phoenix, Tucson, and Mesa. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across Arizona 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 |
| Arizona property tax | 0.6% |
| Arizona state income tax | 2.5% |
Angel Oak Mortgage Solutions strengths in Arizona
- 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 Arizona. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
Phoenix is the top investor market in Arizona and falls within Angel Oak Mortgage Solutions national coverage. Phoenix property tax follows the Arizona state rate of 0.6 percent. Angel Oak Mortgage Solutions typically underwrites Phoenix acquisitions at standard rate sheets.
Yes. Tucson ranks among the larger Arizona investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Tucson matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across Arizona metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Phoenix, Tucson, and Mesa 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.
Arizona property tax low. Strong Sunbelt growth metros. STR markets active in Scottsdale, Sedona, Phoenix. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in Arizona.
Arizona 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 Arizona 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.