Published terms, read October 24, 2026
Visio Lending vs Angel Oak Mortgage Solutions: published loan terms side by side
DSCR floor: Angel Oak publishes no minimum (ratios below 1.00x are allowed); Visio Lending does not publish a floor, so ask before you order an appraisal. Below is everything else each one publishes on its own website, term by term.
The two lenders
Visio Lending
Austin-based lender, founded in 2012, that makes DSCR loans only, on long-term and short-term rentals.
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
- How you reach them: Angel Oak offers its investor loans through brokers and loan officers; Visio Lending takes applications from investors directly.
- Smallest DSCR loan: $75,000 at Visio Lending, $100,000 at Angel Oak.
DSCR rental loans
| Term | Visio Lending | Angel Oak Mortgage Solutions |
|---|---|---|
| Loan amount | From $75,000 (maximum not published) | $100,000 to $3,000,000 |
| Max LTV (purchase) | Up to 85% LTV on a purchase | Up to 85% LTV with 720+ (75% at 680) |
| Min FICO | 680 | 680 |
| Min DSCR | Not published | Below 1.00x and no-ratio options |
| Experience | Not published | First-time homebuyers not eligible |
| Property types | Single family rentals, long-term and short-term | Includes non-warrantable condos and condotels |
States and borrower rules
| Lender | Where it lends | Borrowing entity | Foreign nationals |
|---|---|---|---|
| Visio Lending | Described as nationwide; the state map is not published as text. [src] | Optional (LLC or corporation), but required in GA, HI, IL, MA, NJ, NY, PA and VA. [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 |
| Visio Lending | From $75,000 (maximum not published) | Up to 85% LTV on a purchase | 680 | Not published | Not published | [1][2][3][4] |
| 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
- Visio Lending alternatives
- Angel Oak Mortgage Solutions alternatives
- Match your deal to every lender
Sources
- Visio Lending: home page (state notes). Read October 24, 2026.
- Visio Lending: 85% LTV purchase loans. Read October 24, 2026.
- Visio Lending: long-term rental guide. Read October 24, 2026.
- Visio Lending: DSCR 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.