Published terms, read October 24, 2026

New Silver vs Angel Oak Mortgage Solutions: published loan terms side by side

DSCR floor: New Silver 0.75x, Angel Oak no minimum. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), New Silver 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.

Compare with your deal All lenders compared

New Silver

Direct private lender with online term sheets for fix-and-flip, ground-up and DSCR 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: New Silver 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 New Silver, 85% at Angel Oak, which is 5 points of down payment on the same house.
New Silver publishes terms for fix and flip loans; Angel Oak publishes no terms of its own for them.
New Silver 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; New Silver takes applications from investors directly.
Smallest DSCR loan: $150,000 at New Silver, $100,000 at Angel Oak.

DSCR rental loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	New Silver	Angel Oak Mortgage Solutions
Loan amount	$150,000 to $3,000,000	$100,000 to $3,000,000
Max LTV (purchase)	Up to 80% LTV	Up to 85% LTV with 720+ (75% at 680)
Min FICO	660	680
Min DSCR	0.75x	Below 1.00x and no-ratio options
Experience	Not required	First-time homebuyers not eligible
Property types	1-8 units, short-term rentals allowed	Includes non-warrantable condos and condotels

New Silver also publishes fix and flip loans; Angel Oak Mortgage Solutions does not. New Silver also publishes ground-up construction loans; Angel Oak Mortgage Solutions does not.

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
New Silver	41 states and Washington, DC (Alabama for DSCR only), per New Silver's February 2026 list. [src]	DSCR loans can be made to LLCs and corporations; whether an entity is required is not published. [src]	Fix-and-flip and ground-up loans require a US citizen or legal resident. Not published for DSCR. [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.

DSCR rental loans. Lender figures read October 24, 2026.
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
New Silver	$150,000 to $3,000,000	Up to 80% LTV	660	0.75x	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

Sources

New Silver: DSCR loans. Read October 24, 2026.
New Silver: fix and flip loans. Read October 24, 2026.
New Silver: construction loans. Read October 24, 2026.
New Silver: company and product summary (llms.txt, last updated Feb. 6, 2026). 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.