Wholesale DSCR & Non-QM Aggregator · Wholesale Non-QM & Investor Cash-Flow Shelf

Angel Oak Mortgage Solutions — 2026 Credit Box, DSCR Rates & Underwriting Guidelines

Angel Oak Mortgage Solutions is a leading wholesale Non-QM and Investor Cash Flow (DSCR) lender backed by vertically integrated RMBS securitization.

2026 Rate Band
6.250% – 8.250%
Max Purchase LTV
80% LTV (85% Select Tiers)
Max Cash-Out LTV
75% LTV
Min DSCR / FICO
0.75x – 1.25x · 640+
Wholesale Credit-Box Comparison · Loan Daddy LLC (NMLS #2827624)

Shop Angel Oak Mortgage Solutions Against 45+ Wholesale DSCR & Bridge Shelves

Submit one scenario to Stephen R. Mannenbach, J.D., MBA (NMLS #2549621) at Loan Daddy LLC to benchmark Angel Oak Mortgage Solutions against 45+ institutional wholesale DSCR, Non-QM, and RTL bridge lenders with a single soft credit pull.

Angel Oak Mortgage Solutions — Institutional Underwriting Matrix

Headquarters & FootprintAtlanta, GA
Loan Amount Range$150,000 – $3,500,000
Typical Closing Window14 – 18 Business Days
Prepayment Penalty Options5-Yr, 3-Yr, 2-Yr, 1-Yr, No-PPP
Eligible Entity VestingLLC, Corporation, Individual
Core Program Specialties
  • Investor Cash Flow (DSCR)
  • 12/24-Month Bank Statement Non-QM
  • Foreign National DSCR

Compare Other Verified Institutional Lenders

Browse Active States & Programs on LoanZone TV — Real-World DSCR, BRRRR & Fix-and-Flip Deal Teardowns by Loan Daddy LLC

Angel Oak Mortgage Solutions — 2026 DSCR, LTV & Credit-Box Review | LoanZone TV — Real-World DSCR, BRRRR & Fix-and-Flip Deal Teardowns by Loan Daddy LLC