Published terms, read October 29, 2026

Angel Oak Mortgage Solutions vs Dominion Financial: published loan terms side by side

DSCR floor: Angel Oak no minimum, Dominion Financial 1.00x. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), Angel Oak sets no floor; Dominion Financial needs at least $2,000 of rent. Below is everything else each one publishes on its own website, term by term.

Compare with your deal All lenders compared

Angel Oak Mortgage Solutions

Non-QM mortgage lender. Its DSCR program page is written for mortgage originators and says business-purpose loans are offered through approved clients, so most investors reach it through a broker or loan officer.

Dominion Financial

Privately held private lender to real estate investors, founded in 2002 and based in Baltimore, Maryland (NMLS 898795). It is the lending arm of The Dominion Group.

The differences that change a deal

Leverage on a rental purchase: up to 85% at Angel Oak, 80% at Dominion Financial, which is 5 points of down payment on the same house.
Dominion Financial publishes terms for fix and flip loans; Angel Oak publishes no terms of its own for them.
Dominion Financial publishes terms for ground-up construction loans; Angel Oak publishes no terms of its own for them.
How you reach them: Angel Oak offers its investor loans through brokers and loan officers; Dominion Financial takes applications from investors directly.

DSCR rental loans

From each lender's own site, read October 29, 2026. Conditions for each figure are on the lender pages.
Term	Angel Oak Mortgage Solutions	Dominion Financial
Loan amount	$100,000 to $3,000,000	Not published ($100,000 minimum property value)
Max LTV (purchase)	Up to 85% LTV with 720+ (75% at 680)	Up to 80% LTV on purchases and rate-and-term refinances. Up to 75% on cash-out
Min FICO	680	680 (exceptions down to 660)
Min DSCR	Below 1.00x and no-ratio options	1.00x
Experience	First-time homebuyers not eligible	Not published
Property types	Includes non-warrantable condos and condotels	Single family and 2-10 unit residential. Mixed-use with 2-8 units

Dominion Financial also publishes fix and flip loans; Angel Oak Mortgage Solutions does not. Dominion Financial also publishes ground-up construction loans; Angel Oak Mortgage Solutions does not.

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
Angel Oak Mortgage Solutions	Not published as a list.	Optional: title can vest in an LLC, S corp, C corp or revocable trust. [src]	A separate foreign national DSCR program: $100,000 to $1,500,000, 1.00x DSCR, borrower must live outside the US, US LLC allowed. [src]
Dominion Financial	Every state except Nevada, plus Washington, DC. [src][src][src][src]	The DSCR page lists LLCs and individuals as eligible borrowers. The rate and program disclosures page says loans are made only to business entities. [src][src]	Not addressed on the DSCR product page. The broker-program page says the DSCR loans it arranges suit foreign nationals. [src]

For reference: our programs next to both

Doors Funded programs are arranged by Janover Capital LLC, which is paid when they close. They are shown separately so the comparison above stays between the two lenders.

DSCR rental loans. Lender figures read October 29, 2026.
Lender	Loan amount	Max LTV (purchase)	Min FICO	Min DSCR	Experience	Source
Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close	$75,000 to $2,000,000	Up to 80% LTV (75% cash-out)	660	1.05x	Not required	terms
Angel Oak Mortgage Solutions	$100,000 to $3,000,000	Up to 85% LTV with 720+ (75% at 680)	680	Below 1.00x and no-ratio options	First-time homebuyers not eligible	[1]
Dominion Financial	Not published ($100,000 minimum property value)	Up to 80% LTV on purchases and rate-and-term refinances. Up to 75% on cash-out	680 (exceptions down to 660)	1.00x	Not published	[1][2]

If neither fits

Sources

Angel Oak Mortgage Solutions: DSCR (investor cash flow) program. Read October 24, 2026.
Angel Oak Mortgage Solutions: foreign national program. Read October 24, 2026.
Dominion Financial: DSCR rental loans. Read October 29, 2026.
Dominion Financial: Fix & flip loans. Read October 29, 2026.
Dominion Financial: Ground-up construction loans. Read October 29, 2026.
Dominion Financial: About. Read October 29, 2026.
Dominion Financial: Licensing. Read October 29, 2026.
Dominion Financial: Rate & program disclosures. Read October 29, 2026.
Dominion Financial: Broker program. Read October 29, 2026.
Dominion Financial: DSCR loan requirements. Read October 29, 2026.
Dominion Financial: Ground-up construction loan requirements. Read October 29, 2026.