Lender profile
Angel Oak Mortgage Solutions
hard money
Verified Sep 17, 2026
Angel Oak Mortgage Solutions is a broker-only wholesale DSCR lender requiring a minimum 680 credit score and a firm 1.00 minimum DSCR. Loan sizes run $100,000 to $3,000,000. Maximum LTV is reported at 85% by one source and roughly 80% by another; this listing uses 85% — confirm the applicable limit directly with a broker. Licensed in 43 states.
Published facts
Loan size
$100,000 – $3,000,000
Max LTV
85%
Max LTC
85%
Min credit score
680
Min DSCR
1.00
States covered
43
Channel
Broker only
Terms
Not publicly published
Close time
Not publicly published
Products
rental DSCR
Strengths
- Broker-only wholesale DSCR platform
- Firm 1.00 minimum DSCR — no below-1.0 program
- Licensed in 43 states
- Loan sizes from $100K to $3M
Who this lender suits
Broker-originated borrower with a fully qualifying 1.00+ DSCR and 680+ credit score.