Published terms, read October 29, 2026
Angel Oak Mortgage Solutions vs Temple View Capital: published loan terms side by side
DSCR floor: Angel Oak no minimum, Temple View 0.75x. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), Angel Oak sets no floor; Temple View needs at least $1,500 of rent. Below is everything else each one publishes on its own website, term by term.
The two lenders
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.
Temple View Capital
Private portfolio lender to residential real estate investors, headquartered in Bethesda, Maryland. Its footer dates Temple View Capital, LLC to 2012 and the lending entity, Temple View Capital Funding, LP, to 2016.
The differences that change a deal
- Credit on rentals: Angel Oak publishes a 680 minimum, Temple View 660. At Angel Oak, 85% LTV needs a 720+ score; 75% at 680.
- Leverage on a rental purchase: up to 85% at Angel Oak, 80% at Temple View, which is 5 points of down payment on the same house.
- Temple View publishes terms for fix and flip loans; Angel Oak publishes no terms of its own for them.
- Temple View 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; Temple View takes applications from investors directly.
- Smallest DSCR loan: $100,000 at Angel Oak, $55,000 at Temple View.
- Largest DSCR loan: $3 million at Angel Oak, $2.5 million at Temple View.
- Borrowing entity: Angel Oak: optional: title can vest in an LLC, S corp, C corp or revocable trust. Temple View: business entity required. Properties must be held in an approved entity such as an LLC or corporation, not in a personal name.
DSCR rental loans
| Term | Angel Oak Mortgage Solutions | Temple View Capital |
|---|---|---|
| Loan amount | $100,000 to $3,000,000 | $55,000 to $2,500,000 |
| Max LTV (purchase) | Up to 85% LTV with 720+ (75% at 680) | Up to 80% LTV |
| Min FICO | 680 | 660 |
| Min DSCR | Below 1.00x and no-ratio options | 0.75x on long-term rentals; 1.0x on short-term rentals |
| Experience | First-time homebuyers not eligible | Not published |
| Property types | Includes non-warrantable condos and condotels | Single family, 2-4 units, condos, townhomes, PUDs (non-owner-occupied) |
Temple View Capital also publishes fix and flip loans; Angel Oak Mortgage Solutions does not. Temple View Capital 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] |
| Temple View Capital | 47 states. North Dakota, South Dakota and Vermont are excluded; other states may be approved by exception. Its licensing note says some services may not be available to Nevada customers. [src][src] | Business entity required. Properties must be held in an approved entity such as an LLC or corporation, not in a personal name. [src][src][src][src] | Eligible on DSCR rental loans (the DSCR page says it is now lending to foreign nationals). Not stated for the other programs. [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.
| 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] |
| Temple View Capital | $55,000 to $2,500,000 | Up to 80% LTV | 660 | 0.75x on long-term rentals; 1.0x on short-term rentals | Not published | [1][2][3] |
If neither fits
- Angel Oak Mortgage Solutions alternatives
- Temple View Capital alternatives
- Match your deal to every lender
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.
- Temple View: DSCR loan program. Read October 29, 2026.
- Temple View: Rehab (fix and flip) loans. Read October 29, 2026.
- Temple View: Bridge loans. Read October 29, 2026.
- Temple View: Ground up construction. Read October 29, 2026.
- Temple View: FAQs. Read October 29, 2026.
- Temple View: Homepage and licensing footer. Read October 29, 2026.
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.