Angel Oak Mortgage Solutions for Massachusetts 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.
Massachusetts context
Massachusetts triple-decker market produces multi-unit DSCR economics. Boston DSCR tight.
How Angel Oak Mortgage Solutions positions in Massachusetts
The Massachusetts lender pool for DSCR includes Angel Oak Mortgage Solutions among the active platforms. Massachusetts top metros (Boston, Worcester, Springfield) see meaningful Angel Oak Mortgage Solutions loan volume.
City-level coverage in Massachusetts
Angel Oak Mortgage Solutions provides DSCR coverage across Massachusetts metros including Boston, Worcester, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across Massachusetts 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 |
| Massachusetts property tax | 1.2% |
| Massachusetts state income tax | 9% |
Angel Oak Mortgage Solutions strengths in Massachusetts
- 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 Massachusetts. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
Boston is the top investor market in Massachusetts and falls within Angel Oak Mortgage Solutions national coverage. Boston property tax follows the Massachusetts state rate of 1.2 percent. Angel Oak Mortgage Solutions typically underwrites Boston acquisitions at standard rate sheets.
Yes. Worcester ranks among the larger Massachusetts investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Worcester matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across Massachusetts metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Boston, Worcester, and Springfield 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.
Massachusetts triple-decker market produces multi-unit DSCR economics. Boston DSCR tight. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in Massachusetts.
Massachusetts 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
Massachusetts investors considering Angel Oak Mortgage Solutions should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Angel Oak Mortgage Solutions.