Published terms, read October 24, 2026
LendingOne vs Angel Oak Mortgage Solutions: published loan terms side by side
DSCR floor: LendingOne 0.75x, Angel Oak no minimum. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), LendingOne needs at least $1,500 of rent; Angel Oak sets no floor. Below is everything else each one publishes on its own website, term by term.
The two lenders
LendingOne
Investor lender offering DSCR, fix-and-flip, construction, fix-to-rent and SFR portfolio loans.
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 LendingOne, 85% at Angel Oak, which is 5 points of down payment on the same house.
- LendingOne publishes terms for fix and flip loans; Angel Oak publishes no terms of its own for them.
- LendingOne publishes terms for ground-up construction loans; Angel Oak publishes no terms of its own for them.
- LendingOne 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; LendingOne takes applications from investors directly.
- Smallest DSCR loan: $85,000 at LendingOne, $100,000 at Angel Oak.
- Largest DSCR loan: $2 million at LendingOne, $3 million at Angel Oak.
- Borrowing entity: LendingOne: required: LLC, limited or general partnership, corporation or revocable trust. Angel Oak: optional: title can vest in an LLC, S corp, C corp or revocable trust.
DSCR rental loans
| Term | LendingOne | Angel Oak Mortgage Solutions |
|---|---|---|
| Loan amount | $85,000 to $2,000,000 | $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 | Not published | 680 |
| Min DSCR | 0.75x | Below 1.00x and no-ratio options |
| Experience | Not published | First-time homebuyers not eligible |
| Property types | Single family, 2-4 units, condos, townhouses | Includes non-warrantable condos and condotels |
LendingOne also publishes fix and flip loans; Angel Oak Mortgage Solutions does not. LendingOne also publishes ground-up construction loans; Angel Oak Mortgage Solutions does not. LendingOne also publishes rental portfolio (blanket) loans; Angel Oak Mortgage Solutions does not.
States and borrower rules
| Lender | Where it lends | Borrowing entity | Foreign nationals |
|---|---|---|---|
| LendingOne | Every state except Alaska, Nevada, North Dakota and South Dakota. [src] | Required: LLC, limited or general partnership, corporation or revocable trust. [src] | Not published |
| 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 |
| LendingOne | $85,000 to $2,000,000 | Up to 80% LTV (75% cash-out) | Not published | 0.75x | Not published | [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
Sources
- LendingOne: DSCR rental loans. Read October 24, 2026.
- LendingOne: fix and flip loans. Read October 24, 2026.
- LendingOne: new construction loans. Read October 24, 2026.
- LendingOne: SFR portfolio loans. Read October 24, 2026.
- LendingOne: FAQs. 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.