Angel Oak Mortgage Solutions for Indiana 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.
Indiana context
Indiana strong cash flow Midwest metros. Low property tax. Indianapolis dominant investor market.
How Angel Oak Mortgage Solutions positions in Indiana
The Indiana lender pool for DSCR includes Angel Oak Mortgage Solutions among the active platforms. Indiana top metros (Indianapolis, Fort Wayne, South Bend) see meaningful Angel Oak Mortgage Solutions loan volume.
City-level coverage in Indiana
Angel Oak Mortgage Solutions provides DSCR coverage across Indiana metros including Indianapolis, Fort Wayne, and South Bend. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across Indiana 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 |
| Indiana property tax | 0.9% |
| Indiana state income tax | 3.2% |
Angel Oak Mortgage Solutions strengths in Indiana
- 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 Indiana. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
Indianapolis is the top investor market in Indiana and falls within Angel Oak Mortgage Solutions national coverage. Indianapolis property tax follows the Indiana state rate of 0.9 percent. Angel Oak Mortgage Solutions typically underwrites Indianapolis acquisitions at standard rate sheets.
Yes. Fort Wayne ranks among the larger Indiana investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Fort Wayne matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across Indiana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Indianapolis, Fort Wayne, and South Bend 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.
Indiana strong cash flow Midwest metros. Low property tax. Indianapolis dominant investor market. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in Indiana.
Indiana 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 Indiana 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.