Angel Oak Mortgage Solutions for North Carolina 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.
North Carolina context
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested.
How Angel Oak Mortgage Solutions positions in North Carolina
North Carolina is well covered by national DSCR lenders, with Angel Oak Mortgage Solutions as one option. Where Angel Oak Mortgage Solutions differentiates: Broker-only wholesale DSCR platform. Where it competes: rates not publicly published against peer programs.
City-level coverage in North Carolina
Angel Oak Mortgage Solutions provides DSCR coverage across North Carolina metros including Charlotte, Raleigh, and Greensboro. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across North Carolina 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 |
| North Carolina property tax | 0.8% |
| North Carolina state income tax | 4.5% |
Angel Oak Mortgage Solutions strengths in North Carolina
- 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 North Carolina. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
Charlotte is the top investor market in North Carolina and falls within Angel Oak Mortgage Solutions national coverage. Charlotte property tax follows the North Carolina state rate of 0.8 percent. Angel Oak Mortgage Solutions typically underwrites Charlotte acquisitions at standard rate sheets.
Yes. Raleigh ranks among the larger North Carolina investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Raleigh matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across North Carolina metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charlotte, Raleigh, and Greensboro 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.
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in North Carolina.
North Carolina 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
North Carolina 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.