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Angel Oak Investor Cash Flow Loan

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Use Cash Flow to Qualify for Real Estate

Qualify for real estate financing with cash flow instead of personal income.

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Best For

Property investors who want to grow their real estate portfolios.

Loan Amounts

Minimum loan amount is $75,000 up to a maximum of $1.5 million.

Financing Options

Available for purchase and cash-out or rate-term refinance.

Property Types

1-4 unit property types.

Personal Income

No personal income used to qualify.

Loan Qualification

Qualification based on property cash flow.

Angel Oak’s Investor Cash Flow loan lets borrowers use cash flow instead of personal income to qualify for loans. Borrowers can borrow up to $1.5 million and purchase a property with 1-4 units.

Who Is Angel Oak?

Angel Oak Mortgage Solutions LLC has helped investors and home buyers qualify for a mortgage loan since 2008. The full-service lender offers innovative financing products to make funds more accessible to consumers. Conventional Fannie Mae and Freddie Mac loans have stringent requirements, while Angel Oak provides more flexibility and additional funds.

The mortgage lender provides traditional and non-traditional (non-QM) mortgages to accommodate more borrowers. Angel Oak has over 150 active loan officers working in the 39 states that have licensed the lender (M.S., AL, MD, LA, and others). Their website has an interactive map that shows where you can find a local mortgage professional. The company has over $19 billion worth of assets under management. Angel Oak has securitized $13.3 billion and has lent out over $25 billion in mortgage loans. Angel Oak has received many awards, such as the company’s recognition as one of the fastest-growing private companies in Atlanta.

What is An Investor’s Cash Flow Loan?

A real estate investor needs financing to acquire investment properties and grow their real estate portfolio. However, not every investor can qualify with personal income. Some investors can qualify with income, but assembling the paperwork could be difficult, especially for self-employed individuals. Angel Oak Mortgage Solutions offers a cash flow loan that can help. An investor cash flow product enables investors to use property cash flow instead of income to qualify for a loan. Angel Oak will review a rental analysis detailing a property’s potential cash flow and provide the appropriate financing if they approve your application. People seeking this financing won’t have to worry about compiling tax returns, income statements, and other complicated documents.

Who May Qualify for an Investor Cash Flow Loan?

The investor cash flow loan is one of the easiest to close with Angel Oak. The loan primarily caters to real estate investors looking to expand their portfolios. Investors must demonstrate a property’s potential to generate reliable cash flow. Angel Oak will ask about your credit score, cash flow, DSCR, and down payment. A higher credit score and down payment will give you more flexibility and lower interest rates. Likewise, a high DSCR can compensate for a lower credit score and down payment.

Benefits of Angel Oak Investor Cash Flow Loan

The Angel Oak Investor Cash Flow Loan provides borrowers with many advantages, including the following:

  • Easier approval: The Angel Oak Investor Cash Flow Loan is one of the lender’s most accessible loans to close. Easy approval means more reliable access to funds. Getting your loan application rejected can complicate the process and prevent you from securing a property. Another investor can swoop in if your initial application gets rejected. Your credit score will also take a hit because of the hard credit check that will appear on your report. You will have to get your credit pulled either way. Working with Angel Oak increases the likelihood of getting approved on the first try.
  • Get up to $1.5 million from the loan: The maximum loan amount exceeds conventional loan limits, even in high-cost areas. If you live in a location deemed as a low-cost area, it’s even more difficult to get the financing you need. The $1.5 million loan maximum enables investors to explore properties at greater price ranges. Angel Oak will provide financing for real estate properties with 1-4 units. Angel Oak’s minimum loan amount for this loan type is $75,000.
  • No income or employment information is required: Some investors are self-employed and have to assemble more paperwork to reflect their income fully. An investor cash flow loan helps you evade these obstacles and relies on a property’s cash flow. Fewer roadblocks make it easier to acquire investment properties and scale your portfolio.
  • Refinancing: Borrowers can do a cash-out refinance to get extra funds or get a better interest rate. A cash-out refinance can help with the next down payment, a primary focus for many real estate investors. A better interest rate will lower your monthly costs to help you realize more of your cash flow.
  • Credit score flexibility: You can get started with an investor cash flow loan with a credit score as low as 600. Conventional loans often require higher credit score minimums and won’t give you as much money. You may have to make a higher down payment with a conventional mortgage if you barely make the cut, and you could get stuck with higher mortgage rates.
  • No DSCR required: Other lenders may want a suitable debt service coverage ratio before providing you with funds. This ratio is like the debt-to-income ratio (DTI) but for investment properties. Angel Oak requires a DSCR for some borrowers. But under certain conditions, Angel Oak will not require a debt service coverage ratio for its investor cash flow loan. This stands in stark contrast to traditional lenders who have stiff DSCR requirements and set different rates for people who barely make the cut.
  • Long-term loan means lower monthly payments: Angel Oak offers 40-year fixed interest on their investor cash flow loans. A longer loan term reduces your monthly payment. While homeowners may want to pay off their primary residence quickly, the same concept does not apply to investment properties. A lower payment increases the property’s cash flow and gives you the flexibility to acquire additional properties.
  • Non-warrantable condos allowed: Some lenders won’t let you borrow funds for a non-warrantable property. These lenders see these properties as higher risk and may not want to enter these markets. Angel Oak will not withhold financing for this property class. An investor cash flow product from Angel Oak can help you get funding for a non-warrantable condo.
  • Short-term rentals and VRBOs: Angel Oak Mortgage Solutions LLC will finance your short-term rental or VRBO. Some mortgage lenders providing investor cash flow loans won’t consider these assets.
  • No property limits: You can acquire as many properties as you desire. If you can make the loan payments, Angel Oak will continue supporting future acquisitions, a great quality among the best lenders for real estate investors. The Fannie Mae and Freddie Mac loan programs have limits on how many mortgages you can have at one time.

Requirements to Get an Investor Cash Flow Loan with Angel Oak

Angel Oak has multiple loan products with varying requirements. Here’s what you can expect if you want an investor cash flow loan.

  • A minimum credit score of 600
  • A minimum down payment of 20%
  • Minimum DSCR of 1.0 (no DSCR if you have a 700 credit score and make a 25% down payment)
  • 1-4 unit property with cash flow potential

How to Inquire About Angel Oak Investor Cash Flow Loan

Angel Oak offers many mortgage loans on its website. You can browse through their offerings here to see which loan works best for you. In addition, they have traditional and non-traditional financing options available.

The Angel Oak Investor Cash Flow Loan has a separate form. You’ll have to answer a few questions before submitting a request for more information. After you fill out the form, an Angel Oak Licensed Mortgage Professional will reach out and provide more information.

Other Angel Oak Products

Angel Oak has several financial products that provide borrowers with flexibility. We’ve outlined some of their products, but you can find more financing options on their site.

  • Bank Statement Loan: Consumers don’t have to use tax returns to qualify for a loan. Angel Oak will review your bank statements, offering a more straightforward path for self-employed borrowers to obtain financing.
  • 1099 Income Loan: This financing option helps self-employed borrowers get funds for their home purchases. Borrowers can provide 1099s instead of tax returns.
  • Jumbo Loan: Receive funds to purchase an expensive property. Angel Oak gives borrowers up to $3.5 million in funds.
  • Asset Qualifier Loan: Retirement, checking, savings, and stock brokerage accounts determine loan approval. Angel Oak will not assess your personal income or tax returns.
  • Foreign National Program: Angel Oak provides financing for consumers outside of the U.S. When giving loans, the mortgage lender assesses a property’s cash flow instead of personal income.
  • Traditional Home Loans: Angel Oak offers conventional, FHA, USDA, and V.A. home loans for borrowers seeking traditional financing.

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