Angel Oak Mortgage Solutions for Oregon 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.
Oregon context
Oregon SB 608 statewide rent control. DSCR economics challenged.
How Angel Oak Mortgage Solutions positions in Oregon
Within Oregon, 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 Oregon create demand for Angel Oak Mortgage Solutions programs in Portland and Eugene particularly.
City-level coverage in Oregon
Angel Oak Mortgage Solutions provides DSCR coverage across Oregon metros including Portland, Eugene, and Salem. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across Oregon 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 |
| Oregon property tax | 1% |
| Oregon state income tax | 9.9% |
Angel Oak Mortgage Solutions strengths in Oregon
- 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 Oregon. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
Portland is the top investor market in Oregon and falls within Angel Oak Mortgage Solutions national coverage. Portland property tax follows the Oregon state rate of 1 percent. Angel Oak Mortgage Solutions typically underwrites Portland acquisitions at standard rate sheets.
Yes. Eugene ranks among the larger Oregon investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Eugene matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across Oregon metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Portland, Eugene, and Salem 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.
Oregon SB 608 statewide rent control. DSCR economics challenged. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in Oregon.
Oregon 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 Oregon 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.