Published terms, read October 24, 2026
Lima One Capital vs Angel Oak Mortgage Solutions: published loan terms side by side
DSCR floor: Lima One 1.00x, Angel Oak no minimum. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), Lima One needs at least $2,000 of rent; Angel Oak sets no floor. Below is everything else each one publishes on its own website, term by term.
The two lenders
Lima One Capital
Investor lender with offices in Greenville, South Carolina and Irvine, California, offering rental, fix-and-flip, construction and multifamily 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
- Credit on rentals: Lima One publishes a 660 minimum, Angel Oak 680. At Angel Oak, 85% LTV needs a 720+ score; 75% at 680.
- Leverage on a rental purchase: up to 80% at Lima One, 85% at Angel Oak, which is 5 points of down payment on the same house.
- Lima One publishes terms for fix and flip loans; Angel Oak publishes no terms of its own for them.
- Lima One 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; Lima One takes applications from investors directly.
- Smallest DSCR loan: $85,000 at Lima One, $100,000 at Angel Oak.
- Largest DSCR loan: $2.5 million at Lima One, $3 million at Angel Oak.
- Borrowing entity: Lima One: LLC or similar entity required for business-purpose rental loans. Angel Oak: optional: title can vest in an LLC, S corp, C corp or revocable trust.
DSCR rental loans
| Term | Lima One Capital | Angel Oak Mortgage Solutions |
|---|---|---|
| Loan amount | $85,000 to $2,500,000 | $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 | 660 | 680 |
| Min DSCR | 1.00x | Below 1.00x and no-ratio options |
| Experience | Not required | First-time homebuyers not eligible |
| Property types | Single family, 2-9 units, warrantable condos | Includes non-warrantable condos and condotels |
Lima One Capital also publishes fix and flip loans; Angel Oak Mortgage Solutions does not. Lima One 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 |
|---|---|---|---|
| Lima One Capital | 46 states and Washington, DC. The excluded states are not listed on the pages read. [src] | LLC or similar entity required for business-purpose rental loans. [src] | Eligible for rental, fix-and-flip and construction loans, including borrowers without a US credit score. [src][src][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 |
| Lima One Capital | $85,000 to $2,500,000 | Up to 80% LTV (75% cash-out) | 660 | 1.00x | Not required | [1][2] |
| 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
- Lima One Capital alternatives
- Angel Oak Mortgage Solutions alternatives
- Match your deal to every lender
Sources
- Lima One: rental loans. Read October 24, 2026.
- Lima One: rental loan detail. Read October 24, 2026.
- Lima One: fix and flip loans. Read October 24, 2026.
- Lima One: fix and flip detail. Read October 24, 2026.
- Lima One: new construction loans. Read October 24, 2026.
- Lima One: new construction detail. Read October 24, 2026.
- Lima One: rental portfolio 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.