Angel Oak Mortgage Solutions for Tennessee 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.
Tennessee context
Tennessee no state income tax. Memphis among deepest cash flow markets. Nashville STR contested. Smoky Mountains STR (Pigeon Forge, Gatlinburg) major market.
How Angel Oak Mortgage Solutions positions in Tennessee
Within Tennessee, 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 medium aggregate DSCR economics of Tennessee create demand for Angel Oak Mortgage Solutions programs in Nashville and Memphis particularly.
City-level coverage in Tennessee
Angel Oak Mortgage Solutions provides DSCR coverage across Tennessee metros including Nashville, Memphis, and Knoxville. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across Tennessee 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 |
| Tennessee property tax | 0.7% |
| Tennessee state income tax | None |
Angel Oak Mortgage Solutions strengths in Tennessee
- 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 Tennessee. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
Nashville is the top investor market in Tennessee and falls within Angel Oak Mortgage Solutions national coverage. Nashville property tax follows the Tennessee state rate of 0.7 percent. Angel Oak Mortgage Solutions typically underwrites Nashville acquisitions at standard rate sheets.
Yes. Memphis ranks among the larger Tennessee investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Memphis matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across Tennessee metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Nashville, Memphis, and Knoxville 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.
Tennessee no state income tax. Memphis among deepest cash flow markets. Nashville STR contested. Smoky Mountains STR (Pigeon Forge, Gatlinburg) major market. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in Tennessee.
Tennessee 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
Angel Oak Mortgage Solutions in Tennessee works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Angel Oak Mortgage Solutions.