Requirements
Angel Oak Mortgage Solutions lending requirements
The published qualifying criteria for Angel Oak Mortgage Solutions — the thresholds a deal is screened against before anything else about it matters. Verified Sep 17, 2026.
Minimum credit score
680
Angel Oak Mortgage Solutions sets its credit floor at 680. A borrower scoring below that is not eligible for this program, independent of how the property itself cash-flows.
Minimum DSCR
1.00
A 1.00 floor means rent has to at least equal the full monthly payment. A property renting for $1,900 against a $2,000 payment — a 0.95 DSCR — falls short and does not qualify here, even though it would clear a program with a floor below 1.00. See How DSCR is calculated.
Maximum leverage
85% LTV / 85% LTC
Maximum loan-to-value is 85% of the property's appraised value — the borrower brings at least 15% of value in cash or equity. Maximum loan-to-cost is 85% of total project cost — purchase price plus rehab budget. That is the binding number on a value-add deal where the finished value will exceed the purchase price, since an LTV cap alone would understate what Angel Oak Mortgage Solutions will actually lend against the project.
Loan size
$100,000 – $3,000,000
Loan sizes run from $100,000 to $3,000,000. A deal outside that band, in either direction, is outside Angel Oak Mortgage Solutions's box regardless of credit score or DSCR.
Origination channel
Broker only
Angel Oak Mortgage Solutions originates exclusively through mortgage brokers; a borrower cannot apply to Angel Oak Mortgage Solutions directly.
State coverage
43 states
Angel Oak Mortgage Solutions is licensed in 43 states as of the verification date below. A property outside that footprint is not eligible here regardless of how it scores on every other criterion.
Reading these thresholds together
Angel Oak Mortgage Solutions publishes 6 of the 7 criteria categories this directory tracks (credit score, DSCR, leverage, loan size, entity requirement, origination channel, and state coverage). Any category not shown above is not publicly disclosed by Angel Oak Mortgage Solutions as of Sep 17, 2026 — treat an absent category as unknown, not as "no requirement."
None of these thresholds are guarantees. A deal that clears every published floor still goes through underwriting on the specific property, borrower history, and documentation and entity structure . These are the gates a deal has to clear before that review even starts.