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. Angel Oak Mortgage Solutions is a hard money lender, describing its footprint as "National".
For a rental investor, the products on file are rental DSCR. On the deal itself, Angel Oak Mortgage Solutions publishes loan sizes from $100,000 to $3,000,000 and leverage up to 85% LTV / 85% LTC. Angel Oak Mortgage Solutions originates exclusively through mortgage brokers — a borrower cannot apply directly.
No SEC filing establishes a corporate-ownership relationship for Angel Oak Mortgage Solutions— the ordinary case for a privately held company with no public debt or equity outstanding, not a sign of anything irregular. Its published lending figures were last checked against a source it published on Sep 17, 2026.
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
Verification record
Reviewed Sep 25, 2026
⬜ No SEC filing to check against — Angel Oak Mortgage Solutions is privately held and files nothing with the SEC under its own name, or no filing naming it was found. This is the expected, normal case for the large majority of lenders on this site, not a red flag.
Angel Oak Mortgage Solutions LLC appears in an Angel Oak Mortgage REIT, Inc. (AOMR) 8-K only as a related loan-selling counterparty to a REIT subsidiary (with a 2023 payment guarantee) — an affiliated but separate company under the same sponsor family, not a filed ownership relationship. Angel Oak Mortgage Solutions, the lender on this site, is not the same legal entity as Angel Oak Mortgage REIT, Inc., the SEC registrant.
✅ Published criteria verified — Sep 17, 2026.
⬜ Regulatory complaint check — not yet run.
What Angel Oak Mortgage Solutions has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask Angel Oak Mortgage Solutions about, not as a criticism. Of the 11 criteria categories this directory tracks, Angel Oak Mortgage Solutions has not published 5:
- Rate range (22 of 38 lenders here publish it)
- Points range (21 of 38 lenders here publish it)
- Entity / vesting requirement (3 of 38 lenders here publish it)
- Loan terms (21 of 38 lenders here publish it)
- Typical close time (21 of 38 lenders here publish it)
Products
- rental DSCR — a 30-year rental loan qualified on the property's own rent-to-payment ratio rather than the borrower's tax returns See the glossary entry.
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.
Deal scenarios Angel Oak Mortgage Solutions clears
Angel Oak Mortgage Solutions's published criteria clear 8 of the 119 deal scenarios this site tests — computed the same way every /loan-for/ page computes its own roster, from the stored fields above, not curated by hand. A scenario only counts here if its numeric rules actually narrowed the lender pool; scenarios that match on product tags alone are left out.
Cash flow and DSCR (1)
Purpose and structure (4)
Leverage and pricing (3)
How Angel Oak Mortgage Solutions compares
Angel Oak Mortgage Solutions is not among the 9 lenders this site runs head-to-head comparison pages for — that roster is chosen by brand-name search volume in Search Console, not by hand-picking who looks good next to whom. The full directory lets you set Angel Oak Mortgage Solutions's published figures side by side with any other lender's profile directly. Open the directory.