Investor Cash Flow Mortgage Program

Mortgage Solutions for Agency Fall-Out

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.

  • 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 down to 640
  • Rates starting in the 6’s
  • 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