Angel Oak Investor Cash Flow Loan

Use Cash Flow to Qualify for Real Estate
Qualify for real estate financing with cash flow instead of personal income.
Maximum Loan
Minimum Loan
Maximum LTV


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.

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Angel Oak Investor Cash Flow Loan

Use Cash Flow to Qualify for Real Estate

Who Is Angel Oak?

Angel Oak Home Loans 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 200 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 900 employees and has over $26 billion worth of assets under management. Angel Oak has securitized $10.8 billion and has lent out over $21 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 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’s investor’s cash flow loan 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.

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 give you more flexibility. A high DSCR can compensate for a lower credit score and down payment. 

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Angel Oak Investor Cash Flow Loan

Use Cash Flow to Qualify for Real Estate

Benefits of Angel Oak Investor Cash Flow Loan

  • 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. 
  • Get up to $1.5 million from the loan: The maximum loan amount exceeds conventional loan limits. This figure 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 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.
  • 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 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.
  • No DSCR required: Other lenders may want a suitable debt service coverage ratio before providing you with funds. Angel Oak requires a DSCR for some borrowers. Under certain conditions, Angel Oak will not require a debt service coverage ratio for its investor cash flow loan. 
  • 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. 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 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.

Requirements to Get an Investor Cash Flow Loan with Angel Oak

  • 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. 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, and 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.
  • ITIN Mortgage Loan: This financial product helps borrowers qualify for a loan even if they don’t have a social security number. Angel Oak accommodates consumers who have debt-to-income ratios of 50%.
  • 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.
Angel Oak Home Loans Logo
Angel Oak Investor Cash Flow Loan

Use Cash Flow to Qualify for Real Estate

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If you are a self-employed borrower looking for a mortgage, learn how an Angel Oak 1099 income loan can help you buy a home.
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Learn more about the foreign national program by Angel Oak, a loan option for non-U.S. residents looking to purchase or refinance a home.
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