Angel Oak Mortgage Solutions for South 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.
South Carolina context
South Carolina low property tax. Charleston and Myrtle Beach STR active. Strong investor-friendly state.
How Angel Oak Mortgage Solutions positions in South Carolina
For South Carolina specifically, Angel Oak Mortgage Solutions fits investors who match the hard money approach. The high cash flow profile of South Carolina aggregate makes it a target market for Angel Oak Mortgage Solutions.
City-level coverage in South Carolina
Angel Oak Mortgage Solutions provides DSCR coverage across South Carolina metros including Charleston, Columbia, and Greenville. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across South 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 |
| South Carolina property tax | 0.6% |
| South Carolina state income tax | 6.5% |
Angel Oak Mortgage Solutions strengths in South 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 South Carolina. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
Charleston is the top investor market in South Carolina and falls within Angel Oak Mortgage Solutions national coverage. Charleston property tax follows the South Carolina state rate of 0.6 percent. Angel Oak Mortgage Solutions typically underwrites Charleston acquisitions at standard rate sheets.
Yes. Columbia ranks among the larger South Carolina investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Columbia matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across South Carolina metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charleston, Columbia, and Greenville 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.
South Carolina low property tax. Charleston and Myrtle Beach STR active. Strong investor-friendly state. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in South Carolina.
South 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
For South Carolina 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.