Angel Oak Mortgage Solutions for Louisiana 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.
Louisiana context
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost.
How Angel Oak Mortgage Solutions positions in Louisiana
Louisiana is well covered by national DSCR lenders, with Angel Oak Mortgage Solutions as one option. Where Angel Oak Mortgage Solutions differentiates: Broker-only wholesale DSCR platform. Where it competes: rates not publicly published against peer programs.
City-level coverage in Louisiana
Angel Oak Mortgage Solutions provides DSCR coverage across Louisiana metros including New Orleans, Baton Rouge, and Shreveport. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across Louisiana 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 |
| Louisiana property tax | 0.6% |
| Louisiana state income tax | 4.25% |
Angel Oak Mortgage Solutions strengths in Louisiana
- 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 Louisiana. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
New Orleans is the top investor market in Louisiana and falls within Angel Oak Mortgage Solutions national coverage. New Orleans property tax follows the Louisiana state rate of 0.6 percent. Angel Oak Mortgage Solutions typically underwrites New Orleans acquisitions at standard rate sheets.
Yes. Baton Rouge ranks among the larger Louisiana investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Baton Rouge matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across Louisiana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. New Orleans, Baton Rouge, and Shreveport 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.
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in Louisiana.
Louisiana 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 Louisiana 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.