Angel Oak Mortgage Solutions for Vermont 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.
Vermont context
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices.
How Angel Oak Mortgage Solutions positions in Vermont
Vermont 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 Vermont
Angel Oak Mortgage Solutions provides DSCR coverage across Vermont metros including Burlington, Montpelier, and Vermont. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across Vermont 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 |
| Vermont property tax | 1.8% |
| Vermont state income tax | 8.75% |
Angel Oak Mortgage Solutions strengths in Vermont
- 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 Vermont. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
Burlington is the top investor market in Vermont and falls within Angel Oak Mortgage Solutions national coverage. Burlington property tax follows the Vermont state rate of 1.8 percent. Angel Oak Mortgage Solutions typically underwrites Burlington acquisitions at standard rate sheets.
Yes. Montpelier ranks among the larger Vermont investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Montpelier matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across Vermont metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Burlington, Montpelier, and Vermont 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.
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in Vermont.
Vermont 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 Vermont 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.