Acra Lending vs Angel Oak Mortgage Solutions
What each lender publishes about financing short-term rentals, side by side. Acra Lending: all except ak, nd, sd. Angel Oak Mortgage Solutions: licensed in 47 states/dc.
The short version
- Acra Lending needs 12 months of STR history; Angel Oak Mortgage Solutions qualifies STR income on a projection.
- Acra Lending has the lower minimum credit score (640 vs 680).
- Angel Oak Mortgage Solutions has the higher max purchase LTV (85% vs 75%).
- Only Acra Lending publishes a max cash-out LTV (70%).
- Both publish a $100K minimum loan.
- Neither publishes a minimum DSCR.
- Acra Lending does not publish a policy on first-time investors; Angel Oak Mortgage Solutions does not publish a policy on them.
Based only on published figures, checked Oct 19, 2026. Published maximums usually need top credit. Confirm with the lender.
| Term | Acra LendingWholesale | Angel Oak Mortgage SolutionsWholesale (via approved mortgage professionals) |
|---|---|---|
| STR income method | 12-month history Lender sources · checked Oct 18, 2026 | Projection Lender sources · checked Oct 18, 2026 |
| STR income details | STR allowed case-by-case. Refinances need 12-month rental-agency ledgers; purchases use the appraiser's market rent under standard DSCR rules. See lender sources | DSCR program lists an automated AirDNA short-term rental report as a feature. See lender sources |
| Min credit score | 640 api.acralending.com · checked Oct 19, 2026 | 680 angeloakms.com · checked Oct 19, 2026 |
| Min DSCR | Not published | Not published |
| DSCR below 1.0 | Yes api.acralending.com · checked Oct 19, 2026 | Yes Lender sources · checked Oct 18, 2026 |
| No-ratio option | Yes api.acralending.com · checked Oct 19, 2026 | Yes Lender sources · checked Oct 18, 2026 |
| Max LTV (purchase) | 75% api.acralending.com · checked Oct 19, 2026 | 85% angeloakms.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 70% api.acralending.com · checked Oct 19, 2026 | Not published |
| Min loan | $100K api.acralending.com · checked Oct 19, 2026 | $100K angeloakms.com · checked Oct 19, 2026 |
| Max loan | $3M api.acralending.com · checked Oct 19, 2026 | $3M angeloakms.com · checked Oct 19, 2026 |
| Prepayment | 1-5 year options (fixed or 5/4/3/2/1 step-down) or no prepay api.acralending.com · checked Oct 19, 2026 | Not published |
| States served | All except AK, ND, SD Lender sources · checked Oct 18, 2026 | Licensed in 47 states/DC Licensing page lists 46 states + DC; site says it is not authorized in New York. DSCR footprint is not itemized separately. angeloakms.com · checked Oct 19, 2026 |
| First-time investors | Not published | Not published |
| Channel | Wholesale | Wholesale (via approved mortgage professionals) |
| Last verified |
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Not a lender or broker. No referral fees. For education only. Figures come from each lender's public pages on the date shown and can change without notice, so verify them with the lender. Rates are estimates, not quotes. How we source data.