Published terms, read October 24, 2026
Easy Street Capital vs Angel Oak Mortgage Solutions: published loan terms side by side
Credit on rentals: Easy Street publishes a 640 minimum, Angel Oak 680. 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.
The two lenders
Easy Street Capital
Investor lender with three programs: EasyRent (DSCR), EasyFix (fix and flip) and EasyBuild (construction).
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.
The differences that change a deal
- Leverage on a rental purchase: up to 80% at Easy Street, 85% at Angel Oak, which is 5 points of down payment on the same house.
- Easy Street publishes terms for fix and flip loans; Angel Oak publishes no terms of its own for them.
- Easy Street publishes terms for ground-up construction loans; Angel Oak publishes no terms of its own for them.
- Easy Street publishes terms for rental portfolio (blanket) 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; Easy Street takes applications from investors directly.
- Largest DSCR loan: $3.5 million at Easy Street, $3 million at Angel Oak.
DSCR rental loans
| Term | Easy Street Capital | Angel Oak Mortgage Solutions |
|---|---|---|
| Loan amount | $100,000 to $3,500,000+ | $100,000 to $3,000,000 |
| Max LTV (purchase) | Up to 80% LTV (75% cash-out) | Up to 85% LTV with 720+ (75% at 680) |
| Min FICO | 640 | 680 |
| Min DSCR | No minimum | Below 1.00x and no-ratio options |
| Experience | Not required | First-time homebuyers not eligible |
| Property types | 1-10 units | Includes non-warrantable condos and condotels |
Easy Street Capital also publishes fix and flip loans; Angel Oak Mortgage Solutions does not. Easy Street Capital also publishes ground-up construction loans; Angel Oak Mortgage Solutions does not. Easy Street Capital also publishes rental portfolio (blanket) loans; Angel Oak Mortgage Solutions does not.
States and borrower rules
| Lender | Where it lends | Borrowing entity | Foreign nationals |
|---|---|---|---|
| Easy Street Capital | Rental loans in every state except North Dakota and South Dakota, rural included. Flip and construction loans are not offered in Louisiana, Minnesota, North Dakota, South Dakota or some metros, including Baltimore, Chicago and Detroit. [src][src][src] | LLC recommended; borrowing as an individual is allowed in most states. Owners above 25% sign a full guaranty. [src] | Resident aliens eligible. Foreign nationals living abroad are eligible when the borrowing LLC is at least 50% owned by US citizens or green card holders. [src] |
| 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] |
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 |
| Easy Street Capital | $100,000 to $3,500,000+ | Up to 80% LTV (75% cash-out) | 640 | No minimum | Not required | [1] |
| 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] |
If neither fits
- Easy Street Capital alternatives
- Angel Oak Mortgage Solutions alternatives
- Match your deal to every lender
Sources
- Easy Street Capital: EasyRent DSCR loans. Read October 24, 2026.
- Easy Street Capital: EasyFix fix and flip loans. Read October 24, 2026.
- Easy Street Capital: EasyBuild construction loans. Read October 24, 2026.
- 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.