Published terms, read October 29, 2026

Angel Oak Mortgage Solutions vs Griffin Funding: published loan terms side by side

Credit on rentals: Angel Oak publishes a 680 minimum, Griffin Funding 620. At Angel Oak, 85% LTV needs a 720+ score; 75% at 680. Below is everything else each one publishes on its own website, term by term.

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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.

Griffin Funding

Direct-to-consumer mortgage lender founded in 2013 and based in San Diego, California (NMLS 1120111). It offers DSCR loans alongside VA, bank-statement and other non-QM products.

The differences that change a deal

How you reach them: Angel Oak offers its investor loans through brokers and loan officers; Griffin Funding takes applications from investors directly.
Largest DSCR loan: $3 million at Angel Oak, $4.5 million at Griffin Funding.

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	Griffin Funding
Loan amount	$100,000 to $3,000,000	$100,000 to $4,500,000 (larger loans by exception)
Max LTV (purchase)	Up to 85% LTV with 720+ (75% at 680)	Up to 80% LTV standard (20% down). Up to 85% (15% down) with a 740+ FICO on loans up to $1,000,000. Cash-out up to 80% LTV
Min FICO	680	620
Min DSCR	Below 1.00x and no-ratio options	No minimum (no-ratio program available)
Experience	First-time homebuyers not eligible	Not published
Property types	Includes non-warrantable condos and condotels	1-4 units, condos, townhomes, PUDs and short-term rentals

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]
Griffin Funding	All 50 states and Washington, DC for DSCR loans, per the DSCR page. Its state-licensing page lists licenses in 47 states plus DC (New York, Utah and West Virginia are not on that list). [src][src]	Not required. You can borrow as an individual or through a U.S. LLC with a personal guarantee. Partnership, corporation, S corp or revocable-trust vesting depends on the program. [src]	Offered through a separate Foreign National program: valid visa or visa waiver, at least 20% down, loans up to $5 million, typically up to four units. The DSCR page itself mentions only individuals and U.S. LLCs. [src][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]
Griffin Funding	$100,000 to $4,500,000 (larger loans by exception)	Up to 80% LTV standard (20% down). Up to 85% (15% down) with a 740+ FICO on loans up to $1,000,000. Cash-out up to 80% LTV	620	No minimum (no-ratio program available)	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.
Griffin Funding: DSCR loans. Read October 29, 2026.
Griffin Funding: DSCR loan requirements. Read October 29, 2026.
Griffin Funding: Foreign national lending. Read October 29, 2026.
Griffin Funding: State licensing. Read October 29, 2026.