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Investor Cash Flow

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 needed with minimum 700 FICO and max 70% LTV
  • No personal income / no employment needed
  • Properties can be in LLC’s name
  • No limit on total number of properties
  • Purchase and cash-out or rate-term refinance
  • Non-warrantable condos OK
  • 40 year fixed interest only available

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.