Angel Oak Mortgage Solutions for West Virginia 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.
West Virginia context
West Virginia deep cash flow market. Low entry prices.
How Angel Oak Mortgage Solutions positions in West Virginia
West Virginia 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 West Virginia
Angel Oak Mortgage Solutions provides DSCR coverage across West Virginia metros including Charleston, Morgantown, and Huntington. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Angel Oak Mortgage Solutions program terms apply uniformly across West Virginia 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 |
| West Virginia property tax | 0.6% |
| West Virginia state income tax | 5.12% |
Angel Oak Mortgage Solutions strengths in West Virginia
- 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 West Virginia. Angel Oak Mortgage Solutions is based in an undisclosed location and operates nationally.
Charleston is the top investor market in West Virginia and falls within Angel Oak Mortgage Solutions national coverage. Charleston property tax follows the West Virginia state rate of 0.6 percent. Angel Oak Mortgage Solutions typically underwrites Charleston acquisitions at standard rate sheets.
Yes. Morgantown ranks among the larger West Virginia investor metros and sees consistent DSCR loan volume from Angel Oak Mortgage Solutions. Submarket variation within Morgantown matters for property selection.
Angel Oak Mortgage Solutions applies the same rate sheet across West Virginia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charleston, Morgantown, and Huntington 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.
West Virginia deep cash flow market. Low entry prices. Angel Oak Mortgage Solutions follows standard business-purpose loan structures.
Angel Oak Mortgage Solutions funds rental DSCR in West Virginia.
West Virginia 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 West Virginia 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.