Credit scores starting at 640 Up to 80% LTV

Angel Oak’s Investor Cash Flow mortgage program allows your clients to qualify based on rental analysis to determine property cash flow. No personal income required to qualify. This saves you from submitting complicated income statements and tax returns.

  • Loans up to $1 million, Minimum loan of $75,000
  • Qualification based on property cash flow − Minimum DSCR 1.0
  • No DSCR is needed with a minimum 700 FICO and max, 70% LTV
  • No personal income / no employment needed
  • Properties can be in the LLC’s name
  • No limit on the total number of properties
  • Purchase and cash-out or rate-term refinance
  • Non-warrantable condos OK
  • 40-year fixed interest only available