Angel Oak Mortgage Solutions

Broad non-QM investor and foreign-national programs with strong property and structure breadth.

Angel Oak publishes $100,000–$3 million Investor Cash Flow loans, LLC, STR, condo, ARM, interest-only, and non-permanent-resident options.

64% current and rankable evidence3 published program variantsLast reviewed 2026-08-09Ranked #6 of 8 · 65.3/100

What this lender leads on

Categories where its published figures lead the researched set, computed from the fields below. Ties are shared.

Widest published state coverage — 50 states + DC (States)
Publishes a no-ratio DSCR path — Published (No-ratio path)

What drove this score

DSCR Accessibility Score 65.3/100 (model accessibility-1.0). Strongest: Minimum DSCR, States served, No-ratio path, Foreign-national borrowers. Weakest: Cash-out LTV, Minimum credit score, Rate-and-term LTV. An unpublished figure scores zero.

Official site Compare with other lenders

Where the evidence is incomplete

Fields below are reported exactly as published. Nothing is estimated, inferred, or filled in from a competitor.

5 not published5 varies

Critical gaps: None.

Qualification

Minimum DSCR: No published minimumVerifiedVerified 2026-08-09Angel Oak Mortgage SolutionsThe current program page publishes DSCR below 1.0 and no-DSCR options, subject to credit and leverage restrictions.
No-ratio path: trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions, Angel Oak Mortgage Solutions
Minimum credit score: 680VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
First-time investors: Not offeredNot offeredVerified 2026-08-09Angel Oak Mortgage SolutionsThe current program page states that first-time home buyers are not allowed.
Foreign nationals: trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions, Angel Oak Mortgage Solutions

Leverage

Purchase LTV: 80%VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Rate-and-term LTV: Varies — confirm with lenderVaries by scenarioVerified 2026-08-09Angel Oak Mortgage SolutionsProgram-specific; confirm the current scenario with the lender.
Cash-out LTV: Varies — confirm with lenderVaries by scenarioVerified 2026-08-09Angel Oak Mortgage SolutionsProgram-specific; confirm the current scenario with the lender.
Minimum loan: $100,000VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Maximum loan: $3,000,000VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Reserves: Varies — confirm with lenderVaries by scenarioVerified 2026-08-09Angel Oak Mortgage Solutions, Angel Oak Mortgage SolutionsThe separate foreign-national program publishes 12 months; standard reserves are not consolidated.
Seasoning: Varies — confirm with lenderVaries by scenarioVerified 2026-08-09Angel Oak Mortgage SolutionsProgram-specific; confirm the current scenario with the lender.

Eligibility

Property types: single-family, two-to-four, condo, townhome, short-term-rentalVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Short-term rentals: trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Entity or LLC title: trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
States: 50 states + DCVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

Structures

Fixed rate: trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Adjustable rate: trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Interest only: trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Prepayment terms: Varies — confirm with lenderVaries by scenarioVerified 2026-08-09Angel Oak Mortgage SolutionsProgram-specific; confirm the current scenario with the lender.

Pricing and process

A published starting rate is a marketing floor, not a quote, and is never used here to declare a pricing winner.

Published starting rate: Not publishedNot publishedVerified 2026-08-09Angel Oak Mortgage SolutionsNo current value was found on the reviewed official sources.
Fees: Not publishedNot publishedVerified 2026-08-09Angel Oak Mortgage SolutionsNo current value was found on the reviewed official sources.
Typical closing time: Not publishedNot publishedVerified 2026-08-09Angel Oak Mortgage SolutionsNo current value was found on the reviewed official sources.
Rate lock period: Not publishedNot publishedVerified 2026-08-09Angel Oak Mortgage SolutionsNo current value was found on the reviewed official sources.
Published process detail: trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

Published program variants

Investor Cash Flow

Cash-flow qualification for purchase and refinance, including below-1.0 and no-DSCR options.

Minimum DSCR: No published minimumVerifiedVerified 2026-08-09Angel Oak Mortgage SolutionsThe current program page publishes below-1.0 and no-DSCR options; leverage and credit restrictions apply.
Minimum credit score: 680VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Maximum LTV: 85%VerifiedVerified 2026-08-09Angel Oak Mortgage SolutionsThe 85% maximum requires at least 720 FICO.
Interest only: trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Foreign nationals: trueVerifiedVerified 2026-08-09Angel Oak Mortgage SolutionsThe core page expressly allows non-permanent residents.

DSCR waiver

A no-minimum option appears in the official program guide with scenario restrictions.

Minimum DSCR: No published minimumVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Minimum credit score: 700VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Maximum LTV: 70%VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Interest only: trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Foreign nationals: Varies — confirm with lenderVaries by scenarioVerified 2026-08-09Angel Oak Mortgage SolutionsProgram-specific; confirm the current scenario with the lender.

Foreign National

Separate 1.0 DSCR program for borrowers living outside the United States.

Minimum DSCR: 1.00×VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Minimum credit score: Not publishedNot publishedVerified 2026-08-09Angel Oak Mortgage SolutionsNo U.S. credit is required; a numeric FICO floor is not applicable.
Maximum LTV: 70%VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Interest only: Not offeredNot offeredVerified 2026-08-09Angel Oak Mortgage SolutionsThe published foreign-national program is 30-year fixed.
Foreign nationals: trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

Strength and trade-off

Strength

Foreign-national and non-permanent-resident pathways plus unusual condo eligibility.

Trade-off

Standard reserves, fees, prepayment, exact leverage, and closing time are not fully published.

These are editorial summaries of the published evidence above. They are not a ranking, a recommendation, or a statement that any lender is best for a given deal.

Sources

Licensing — Angel Oak Mortgage Solutions (nmls), accessed 2026-08-09
Investor Cash Flow Mortgage Program — Angel Oak Mortgage Solutions (official lender), accessed 2026-08-09
Investor Cash Flow Program — Angel Oak Mortgage Solutions (official program guide), accessed 2026-08-09
Foreign National Mortgage Program — Angel Oak Mortgage Solutions (official lender), accessed 2026-08-09

Qualification

Minimum DSCR

No published minimumVerifiedVerified 2026-08-09Angel Oak Mortgage SolutionsThe current program page publishes DSCR below 1.0 and no-DSCR options, subject to credit and leverage restrictions.

No-ratio path

trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions, Angel Oak Mortgage Solutions

Minimum credit score

680VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

First-time investors

Not offeredNot offeredVerified 2026-08-09Angel Oak Mortgage SolutionsThe current program page states that first-time home buyers are not allowed.

Foreign nationals

trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions, Angel Oak Mortgage Solutions

Leverage

Purchase LTV

80%VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

Rate-and-term LTV

Varies — confirm with lenderVaries by scenarioVerified 2026-08-09Angel Oak Mortgage SolutionsProgram-specific; confirm the current scenario with the lender.

Cash-out LTV

Varies — confirm with lenderVaries by scenarioVerified 2026-08-09Angel Oak Mortgage SolutionsProgram-specific; confirm the current scenario with the lender.

Minimum loan

$100,000VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

Maximum loan

$3,000,000VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

Reserves

Varies — confirm with lenderVaries by scenarioVerified 2026-08-09Angel Oak Mortgage Solutions, Angel Oak Mortgage SolutionsThe separate foreign-national program publishes 12 months; standard reserves are not consolidated.

Seasoning

Varies — confirm with lenderVaries by scenarioVerified 2026-08-09Angel Oak Mortgage SolutionsProgram-specific; confirm the current scenario with the lender.

Eligibility

Property types

single-family, two-to-four, condo, townhome, short-term-rentalVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

Short-term rentals

trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

Entity or LLC title

trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

States

50 states + DCVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

Structures

Fixed rate

trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

Adjustable rate

trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

Interest only

trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

Prepayment terms

Varies — confirm with lenderVaries by scenarioVerified 2026-08-09Angel Oak Mortgage SolutionsProgram-specific; confirm the current scenario with the lender.

Pricing and process

A published starting rate is a marketing floor, not a quote, and is never used here to declare a pricing winner.

Published starting rate

Not publishedNot publishedVerified 2026-08-09Angel Oak Mortgage SolutionsNo current value was found on the reviewed official sources.

Fees

Not publishedNot publishedVerified 2026-08-09Angel Oak Mortgage SolutionsNo current value was found on the reviewed official sources.

Typical closing time

Not publishedNot publishedVerified 2026-08-09Angel Oak Mortgage SolutionsNo current value was found on the reviewed official sources.

Rate lock period

Not publishedNot publishedVerified 2026-08-09Angel Oak Mortgage SolutionsNo current value was found on the reviewed official sources.

Published process detail

trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

Published program variants

Investor Cash Flow

Cash-flow qualification for purchase and refinance, including below-1.0 and no-DSCR options.

Minimum DSCR: No published minimumVerifiedVerified 2026-08-09Angel Oak Mortgage SolutionsThe current program page publishes below-1.0 and no-DSCR options; leverage and credit restrictions apply.
Minimum credit score: 680VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Maximum LTV: 85%VerifiedVerified 2026-08-09Angel Oak Mortgage SolutionsThe 85% maximum requires at least 720 FICO.
Interest only: trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Foreign nationals: trueVerifiedVerified 2026-08-09Angel Oak Mortgage SolutionsThe core page expressly allows non-permanent residents.

DSCR waiver

A no-minimum option appears in the official program guide with scenario restrictions.

Minimum DSCR: No published minimumVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Minimum credit score: 700VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Maximum LTV: 70%VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Interest only: trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Foreign nationals: Varies — confirm with lenderVaries by scenarioVerified 2026-08-09Angel Oak Mortgage SolutionsProgram-specific; confirm the current scenario with the lender.

Foreign National

Separate 1.0 DSCR program for borrowers living outside the United States.

Minimum DSCR: 1.00×VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Minimum credit score: Not publishedNot publishedVerified 2026-08-09Angel Oak Mortgage SolutionsNo U.S. credit is required; a numeric FICO floor is not applicable.
Maximum LTV: 70%VerifiedVerified 2026-08-09Angel Oak Mortgage Solutions
Interest only: Not offeredNot offeredVerified 2026-08-09Angel Oak Mortgage SolutionsThe published foreign-national program is 30-year fixed.
Foreign nationals: trueVerifiedVerified 2026-08-09Angel Oak Mortgage Solutions

Strength and trade-off

Strength

Foreign-national and non-permanent-resident pathways plus unusual condo eligibility.

Trade-off

Standard reserves, fees, prepayment, exact leverage, and closing time are not fully published.

These are editorial summaries of the published evidence above. They are not a ranking, a recommendation, or a statement that any lender is best for a given deal.

Sources

Licensing — Angel Oak Mortgage Solutions (nmls), accessed 2026-08-09

Investor Cash Flow Mortgage Program — Angel Oak Mortgage Solutions (official lender), accessed 2026-08-09

Investor Cash Flow Program — Angel Oak Mortgage Solutions (official program guide), accessed 2026-08-09

Foreign National Mortgage Program — Angel Oak Mortgage Solutions (official lender), accessed 2026-08-09