Investor Cash Flow Loan

Angel Oak's Investor Cash Flow Loan is specifically for real estate investors and does not require proof of income or employment to qualify.
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  • Loans up to $2 million, Minimum loan of $75,000
  • 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
  • 30 year interest only available
  • Loan amounts greater than or equal to $1,500,000, a borrower paid second appraisal must be obtained.
  • Non-warrantable Condos now allowed
  • Condotels now 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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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.