Angel Oak Mortgage Solutions for New Mexico 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.
New Mexico context
New Mexico steady DSCR. Santa Fe historic STR market.
How Angel Oak Mortgage Solutions positions in New Mexico
The New Mexico lender pool for DSCR includes Angel Oak Mortgage Solutions among the active platforms. New Mexico top metros (Albuquerque, Santa Fe, Las Cruces) see meaningful Angel Oak Mortgage Solutions loan volume.
City-level coverage in New Mexico
Angel Oak Mortgage Solutions provides DSCR coverage across New Mexico metros including Albuquerque, Santa Fe, and Las Cruces. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across New Mexico 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 |
| New Mexico property tax | 0.8% |
| New Mexico state income tax | 5.9% |
Angel Oak Mortgage Solutions strengths in New Mexico
- 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 New Mexico. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
Albuquerque is the top investor market in New Mexico and falls within Angel Oak Mortgage Solutions national coverage. Albuquerque property tax follows the New Mexico state rate of 0.8 percent. Angel Oak Mortgage Solutions typically underwrites Albuquerque acquisitions at standard rate sheets.
Yes. Santa Fe ranks among the larger New Mexico investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Santa Fe matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across New Mexico metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Albuquerque, Santa Fe, and Las Cruces 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.
New Mexico steady DSCR. Santa Fe historic STR market. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in New Mexico.
New Mexico 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 New Mexico 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.