Angel Oak Mortgage Solutions for Georgia 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.
Georgia context
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws.
How Angel Oak Mortgage Solutions positions in Georgia
The Georgia lender pool for DSCR includes Angel Oak Mortgage Solutions among the active platforms. Georgia top metros (Atlanta, Savannah, Augusta) see meaningful Angel Oak Mortgage Solutions loan volume.
City-level coverage in Georgia
Angel Oak Mortgage Solutions provides DSCR coverage across Georgia metros including Atlanta, Savannah, and Augusta. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across Georgia 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 |
| Georgia property tax | 1% |
| Georgia state income tax | 5.4% |
Angel Oak Mortgage Solutions strengths in Georgia
- 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 Georgia. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
Atlanta is the top investor market in Georgia and falls within Angel Oak Mortgage Solutions national coverage. Atlanta property tax follows the Georgia state rate of 1 percent. Angel Oak Mortgage Solutions typically underwrites Atlanta acquisitions at standard rate sheets.
Yes. Savannah ranks among the larger Georgia investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Savannah matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across Georgia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Atlanta, Savannah, and Augusta 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.
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in Georgia.
Georgia 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
Angel Oak Mortgage Solutions in Georgia works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Angel Oak Mortgage Solutions.