Angel Oak Mortgage Solutions for Maryland 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.
Maryland context
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law.
How Angel Oak Mortgage Solutions positions in Maryland
The Maryland lender pool for DSCR includes Angel Oak Mortgage Solutions among the active platforms. Maryland top metros (Baltimore, Frederick, Annapolis) see meaningful Angel Oak Mortgage Solutions loan volume.
City-level coverage in Maryland
Angel Oak Mortgage Solutions provides DSCR coverage across Maryland metros including Baltimore, Frederick, and Annapolis. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across Maryland 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 |
| Maryland property tax | 1% |
| Maryland state income tax | 5.75% |
Angel Oak Mortgage Solutions strengths in Maryland
- 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 Maryland. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
Baltimore is the top investor market in Maryland and falls within Angel Oak Mortgage Solutions national coverage. Baltimore property tax follows the Maryland state rate of 1 percent. Angel Oak Mortgage Solutions typically underwrites Baltimore acquisitions at standard rate sheets.
Yes. Frederick ranks among the larger Maryland investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Frederick matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across Maryland metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Baltimore, Frederick, and Annapolis 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.
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in Maryland.
Maryland 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 Maryland 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.