DSCR Loan

Loans up to $3 million, Minimum loan of $100,000
Qualification based on property cash flow
No personal income or employment information required
Properties can be in LLC’s name
No limit on total number of properties
Borrower must own primary residence
Purchase and cash-out or rate-term refinance
Interest only option available
Non-warrantable Condos allowed
Condotels allowed
Non-permanent residents allowed

Angel Oak’s Investor Cash Flow mortgage (DSCR Loan) 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. Debt service coverage ratio or DSCR is a measurement of a property’s expected cash flow to determine ability to repay a mortgage loan.

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Property State

Loan Purpose

PurchaseRefinance

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Are You Self-Employed?

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Residence Type

Primary ResidenceSecond Home / Investment Property

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Product FAQ

General FAQ

What Is An Investor Cash Flow Loan?

This loan product allows cash flow on a property to be used to qualify for a mortgage loan. No tax returns or employment information is required. This innovative program can help property investors build a portfolio of income generating properties.

Can You Qualify For An Investor Cash Flow Loan If You Own Multiple Properties?

Yes, it is possible to qualify for an Investor Cash Flow loan if you own multiple properties. The limit on the number of homes financed may vary.

Is Employment Documentation Required For An Investor Cash Flow Loan?

No, employment information and tax forms are not required to qualify for Angel Oak’s Investor Cash Flow loan product.

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Angel Oak Mortgage Solutions LLC – NMLS ID #1160240 (NMLS Consumer Access). Corporate Address: 980 Hammond Drive, Suite 850, Atlanta, GA 30328. Licensed in AL #21875, AZ #0926930, AK #110480, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act License #4131346. Loans made or arranged pursuant to a California Financing Law License CFL License #60DBO-71208, CO Regulated by the Division of Real Estate, CT #ML-1160240, CT #MS-1160240, DE #019971, DC #MLB1160240, FL #MLD1156, GA #41747, HI #HI-1160240, HI #MS231, ID #MBL-2081160240, IL Residential Mortgage Licensee # MB.6761065, IN #24466, IA #2014-0070, KS #MC.0025339, KY #MC292246, LA, ME #1160240, MD #1160240, MI #FL0020868, MI #SR0020869, MN #MN-MO-1160240, MS #1160240, MO #1160240, MT #1160240, NE, NV #4450, NV #4597, NH #22446-MB, Licensed by the N.J. Department of Banking and Insurance, NM, NC #L-163234, ND#MB103396, OH #RM.501891.000, OK #ML011190, OR #ML-5316, OR #MS-19, PA #56598,RI #20173431LL, RI #20224352LS, SC #MLS-1160240, SD #1160240.ML, TN #118878, TN #163131, TX, UT, VA #MC-5830, WA #CL-1160240, WV #ML-36451, WI #1160240BA, WY#3229, WY #CL-4863.