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Investor Cash Flow

No personal income docs

Credit scores down to 680

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.

  • Qualification based on property cash flow
  • 2 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
  • No DTI restrictions
  • Must own primary home
  • 1-4 units and condos
  • No limit on number of properties financed (5 with AOMS)
  • Loans up to $1.5 million
  • Seller concessions to 3%
  • Can close in a LLC

Loan Scenario

Property investors can grow their portfolios faster thanks to our Investor Cash Flow Program. One of our investor clients is a happy repeat customer. For the third time, they appreciated another quick close on a great property by trusting Angel Oak. This borrower applied with 12 total financed properties and two of them were with Angel Oak Mortgage Solutions. They qualified with a perfect mortgage history, 70% LTV, and new positive cash flow based on market rents.

FAQ's

Can I get a mortgage for an investment property?
Yes, utilizing our Investor Cash Flow product allows for cash flow on the property to be used to qualify for the loan. No tax returns or employment information required.
Is personal income required to qualify for an Investor Cash Flow loan?
No personal income is required to qualify. This saves you from submitting complicated income statements and tax returns.
Do real estate loans close faster than other mortgage loans?
Typically these loans do close quicker than others but this can vary. Contact an Angel Oak account executive to discuss your loan scenario.