Angel Oak Mortgage Solutions for Missouri 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.
Missouri context
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market.
How Angel Oak Mortgage Solutions positions in Missouri
For Missouri specifically, Angel Oak Mortgage Solutions fits investors who match the hard money approach. The high cash flow profile of Missouri aggregate makes it a target market for Angel Oak Mortgage Solutions.
City-level coverage in Missouri
Angel Oak Mortgage Solutions provides DSCR coverage across Missouri metros including St. Louis, Kansas City, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across Missouri 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 |
| Missouri property tax | 1% |
| Missouri state income tax | 4.95% |
Angel Oak Mortgage Solutions strengths in Missouri
- 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 Missouri. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
St. Louis is the top investor market in Missouri and falls within Angel Oak Mortgage Solutions national coverage. St. Louis property tax follows the Missouri state rate of 1 percent. Angel Oak Mortgage Solutions typically underwrites St. Louis acquisitions at standard rate sheets.
Yes. Kansas City ranks among the larger Missouri investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Kansas City matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across Missouri metros. Pricing variation comes from property-specific factors rather than metro location within the same state. St. Louis, Kansas City, 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.
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in Missouri.
Missouri 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 Missouri 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.