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When Fannie & Freddie Say No – Call Us!

Agency lending standards are tight and many real estate investor clients fall victim to Agency fall-out. It is happening more often in today’s market and we save those deals every day. We are certainly here to help when your borrower is turned away or a client calls who was just turned away and needs your help. We are ready to advise on the right loan solution to save the deal. Before you say no……call us! We have easy solutions to get real estate investors to the closing table quickly!

Three Ways We Qualify Real Estate Investors:


Investor Cash Flow

Requires NO income or employment information. Qualification is based on rental analysis using market rents from the appraisal to qualify the loan.

  • LTV up to 80%
  • Credit score down to 640
  • Minimum DSCR 1.00
  • No DSCR with minimum 700 FICO and maximum 70% LTV
  • No income expense ratio – DTI not required
  • Interest only available

Bank Statement
Self-employed investors can use 12 or 24 months personal or business statements to qualify income.

  • Credit score down to 680
  • LTV up to 80%
  • Loans up to $3 million

Full Doc
We offer a standard income documentation that includes paystubs, W2s, and tax returns.

  • Credit score down to 680
  • LTV up to 80%

Once you start saving deals, the word gets out and referrals start increasing. Avoid losing the loan…..call us FIRST! We have many loan options to get it right the first time.

​​​For more information visit www.angeloakms.com