These are underwriting minimums, not a pre-approval. See the full Angel Oak Mortgage Solutions profile or compare requirements across the full lender directory.
Angel Oak Mortgage Solutions qualification minimums
| Minimum credit score | 680 |
|---|---|
| Minimum DSCR | 1.00 |
| Maximum LTV | 85% |
| Maximum LTC | 85% |
| Minimum loan size | $100K |
| Maximum loan size | $3.0M |
| States covered | 43 |
| Origination channel | Broker only |
What these minimums mean for a borrower
A minimum credit score is a floor, not a pricing tier — clearing 680 makes a file eligible for review, but the best pricing generally goes to borrowers well above the floor.
DSCR (debt service coverage ratio) compares the property's rent to its projected mortgage payment. A minimum DSCR of 1.00 means rent must cover 100% of the payment — the property must fully cover its own debt service.
Maximum LTV of 85% sets the ceiling on leverage: the loan can't exceed that share of the property's value, so the borrower's down payment (or equity, on a refinance) has to make up the rest.
What Angel Oak Mortgage Solutions doesn't publish
- Entity/LLC vesting requirement — not publicly published.
Angel Oak Mortgage Solutions Requirements FAQ
Angel Oak Mortgage Solutions's published minimum credit score is 680. This is a floor, not a guarantee of approval or of the best pricing.
Angel Oak Mortgage Solutions's published minimum DSCR is 1.00, meaning rent must cover the full projected mortgage payment.
Angel Oak Mortgage Solutions's published maximum LTV is 85%, with a maximum LTC of 85%.
Angel Oak Mortgage Solutions does not publish an LLC/entity-vesting requirement. Confirm directly before you set up your closing entity.
Angel Oak Mortgage Solutions is licensed in 43 states.
Angel Oak Mortgage Solutions originates through the broker only channel, with loan sizes from $100K to $3.0M.
This review is an independent directory listing. DSCR Loan Program is not affiliated with Angel Oak Mortgage Solutions, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.