Angel Oak Mortgage Solutions for Montana 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.
Montana context
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity.
How Angel Oak Mortgage Solutions positions in Montana
Within Montana, Angel Oak Mortgage Solutions competes alongside other DSCR lenders. Angel Oak Mortgage Solutions strengths: Broker-only wholesale DSCR platform, Firm 1.00 minimum DSCR — no below-1.0 program. The low aggregate DSCR economics of Montana create demand for Angel Oak Mortgage Solutions programs in Billings and Bozeman particularly.
City-level coverage in Montana
Angel Oak Mortgage Solutions provides DSCR coverage across Montana metros including Billings, Bozeman, and Missoula. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across Montana 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 |
| Montana property tax | 0.8% |
| Montana state income tax | 6.75% |
Angel Oak Mortgage Solutions strengths in Montana
- 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 Montana. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
Billings is the top investor market in Montana and falls within Angel Oak Mortgage Solutions national coverage. Billings property tax follows the Montana state rate of 0.8 percent. Angel Oak Mortgage Solutions typically underwrites Billings acquisitions at standard rate sheets.
Yes. Bozeman ranks among the larger Montana investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Bozeman matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across Montana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Billings, Bozeman, and Missoula 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.
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in Montana.
Montana 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 Montana 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.