Published terms, read October 24, 2026
Angel Oak Mortgage Solutions loan terms
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.
Angel Oak: DSCR rental loans
| Term | Angel Oak Mortgage Solutions | Doors Funded programs |
|---|---|---|
| Loan amount | $100,000 to $3,000,000 | $75,000 to $2,000,000 |
| Max LTV (purchase) | Up to 85% LTV with 720+ (75% at 680) | Up to 80% LTV (75% cash-out) |
| Min FICO | 680 | 660 |
| Min DSCR | Below 1.00x and no-ratio options | 1.05x |
| Experience | First-time homebuyers not eligible | Not required |
| Property types | Includes non-warrantable condos and condotels | Single family, 2-4 units, townhomes, PUDs, warrantable condos |
Conditions: 5/6 and 7/6 ARMs, 30-year fixed, interest-only. Up to five loans with Angel Oak, more by exception. Permanent and non-permanent residents eligible. [1]
Where Angel Oak lends and who can borrow
| Lender | Where it lends | Borrowing entity | Foreign nationals |
|---|---|---|---|
| Doors FundedOur programs, arranged by Janover Capital LLC | 47 states and Washington, DC. Not available in North Dakota, South Dakota or Vermont. | Business entity (LLC or corporation); full recourse | DSCR: Eligible, up to 65% LTV. Fix and flip: Eligible (some countries excluded). Construction: Eligible. |
| 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] |
Who Angel Oak fits, on its published terms
- Investors already working with a mortgage broker or loan officer. Angel Oak's program page is addressed to originators and says business-purpose loans are offered through approved clients.
- High LTV with strong credit: 85% with a 720+ score.
- Non-warrantable condos and condotels, and properties where the rent does not cover the payment (it publishes below-1.00x and no-ratio options).
Check these before you apply
- First-time homebuyers are not eligible.
- Up to five loans with Angel Oak at once, more by exception.
- Foreign nationals go through a separate program capped at $1.5 million.
Where our programs differ
- Credit: Angel Oak 680 (75% LTV) and 720 for 85%; our program 660 for up to 80% LTV (75% cash-out).
- Coverage: Angel Oak publishes below-1.00x and no-ratio options; our program needs 1.05x.
- Channel: we arrange loans directly with investors; Angel Oak's program page is written for originators.
Neither column is a quote. Every lender prices each deal, and the term sheet you get is what counts. If your deal sits near a limit in either column, send it and we will tell you which side of the line it falls on.
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.
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.