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Investor Cash Flow Helps You Gain More Borrowers

Top alternative lending programs, such as Angel Oak Mortgage Solutions, give mortgage originators the option to expand their business by providing non-qualified mortgage financing solutions to non-prime mortgage borrowers. Borrowers who have had past credit events are evaluated based on their ability to repay loans rather than strictly their credit scores and past borrowing records. Because of this, even non-prime mortgage applicants can qualify for the mortgage loans they deserve. And that has created more cash flow amongst consumers, and eased their burden on overall household debt. See chart below:

By granting wholesale non-prime mortgage loans, Angel Oak Mortgage Solutions assures that many borrowers then qualify for our streamlined Investor Cash Flow mortgage program, allowing your clients to qualify for a second mortgage based on rental analysis to determine property cash flow.

Top non-Agency wholesale lenders address the needs of non-conforming mortgage applicants who are considered capable and ready to pay back the loan, even allowing buyers to obtain a non-Agency mortgage loan just one day out of a foreclosure, short-sale, bankruptcy, or deed-in-lieu of foreclosure. Angel Oak Mortgage Solutions believes non-qualified mortgage borrowers should not be penalized in the long term for single credit events. Wholesale lending programs and alternative wholesale lending providers bring opportunity to this non-qualified mortgage market.

Alternative wholesale lenders can leverage new ways of ascertaining the likelihood of repaying loans through the use of technology and alternative credit measures. Alternative wholesale originators can effectively look past single incidences of negative credit that would otherwise disqualify them from qualifying for a residential mortgage loan despite an otherwise solid credit record. With good residual income, non-prime mortgage borrowers actually offer top wholesale providers safe and profitable opportunities while presenting a strong mortgage solution.

Angel Oak Mortgage Solutions Can Help

Angel Oak Mortgage Solutions has pioneered the resurgence and success of non-QM mortgages, making us the leaders in the space. We have experienced record-setting growth in the non-QM space. In fact, non-QM is the only area in the mortgage industry with year-over-year gains over the past five years. Angel Oak Mortgage Solutions offers unique, alternative mortgage lending programs designed to help mortgage brokers expand your product offerings and grow your businesses. We do this by expanding the possible clientele you can reach – low credit and no-credit mortgage loan borrowers looking to purchase their homes. This is made possible through a more intelligent creditworthiness process seeking to determine a borrower’s ability to pay back an alternative mortgage loan, rather than looking solely at their credit scores.

Our Investor Cash Flow mortgage program allows your clients to qualify based on rental analysis to determine property cash flow. No personal income is required to qualify – this save borrowers from submitting complicated income statements and tax returns.

  • No personal income used to qualify
  • Qualification based on property cash flow
  • 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • Credit scores as little as 660
  • Competitive mortgage rates
  • Up to 80% LTV
  • No DTI restrictions
  • Must have current mortgage
  • 1-4 units and condos
  • No limit on number of properties financed (5 with AOMS)
  • Loans up to $1.5 million
  • Seller concessions to 2%
  • 7/1 ARM


Angel Oak Companies is an industry leader in delivering innovative mortgage credit solutions. Through our integrated platform, we deliver solutions across asset management, mortgage lending and capital markets.

Angel Oak Mortgage Solutions offers a breadth of alternative lending products to allow our clients to grow their business and better serve their customers. We re-connect qualified home buyers with the investor community to create a win/win/win for the borrower, originator and investor. As a highly entrepreneurial organization, we are able to quickly adapt to the needs of our clients and embrace a strong service-based culture.

Angel Oak Mortgage Solutions currently offers alternative correspondent mortgage lending services across Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, Nevada, North Carolina, North Dakota, Oklahoma, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.