Angel Oak Mortgage Solutions for Washington 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.
Washington context
Washington no state income tax (helps DSCR cash flow). Seattle tenant protections. Spokane more affordable.
How Angel Oak Mortgage Solutions positions in Washington
Within Washington, 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 Washington create demand for Angel Oak Mortgage Solutions programs in Seattle and Spokane particularly.
City-level coverage in Washington
Angel Oak Mortgage Solutions provides DSCR coverage across Washington metros including Seattle, Spokane, and Tacoma. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across Washington 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 |
| Washington property tax | 1% |
| Washington state income tax | None |
Angel Oak Mortgage Solutions strengths in Washington
- 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 Washington. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
Seattle is the top investor market in Washington and falls within Angel Oak Mortgage Solutions national coverage. Seattle property tax follows the Washington state rate of 1 percent. Angel Oak Mortgage Solutions typically underwrites Seattle acquisitions at standard rate sheets.
Yes. Spokane ranks among the larger Washington investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Spokane matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across Washington metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Seattle, Spokane, and Tacoma 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.
Washington no state income tax (helps DSCR cash flow). Seattle tenant protections. Spokane more affordable. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in Washington.
Washington 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
Washington investors considering Angel Oak Mortgage Solutions should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Angel Oak Mortgage Solutions.