Angel Oak Mortgage Solutions vs Easy Street Capital
What each lender publishes about financing short-term rentals, side by side. Angel Oak Mortgage Solutions: licensed in 47 states/dc. Easy Street Capital: all except nd, sd.
The short version
- Angel Oak Mortgage Solutions qualifies STR income on a projection; Easy Street Capital accepts STR history or a projection.
- Easy Street Capital has the lower minimum credit score (640 vs 680).
- Angel Oak Mortgage Solutions has the higher max purchase LTV (85% vs 80%).
- Only Easy Street Capital publishes a max cash-out LTV (75%).
- Both publish a $100K minimum loan.
- Neither publishes a minimum DSCR.
- Angel Oak Mortgage Solutions does not publish a policy on first-time investors; Easy Street Capital allows them.
Based only on published figures, checked Oct 19, 2026. Published maximums usually need top credit. Confirm with the lender.
| Term | Angel Oak Mortgage SolutionsWholesale (via approved mortgage professionals) | Easy Street CapitalDirect lender |
|---|---|---|
| STR income method | Projection Lender sources · checked Oct 18, 2026 | Either easystreetcap.com · checked Oct 19, 2026 |
| STR income details | DSCR program lists an automated AirDNA short-term rental report as a feature. See lender sources | 12-month history: 12+ months of history: trailing-12 actual revenue. Projection: Professional STR investors: 100% of AirDNA. Others: AirDNA less 25% (2023 tear sheet; current page says AirDNA only 'in certain cases', otherwise appraiser market rent). easystreetcap.com · checked Oct 19, 2026 |
| Min credit score | 680 angeloakms.com · checked Oct 19, 2026 | 640 easystreetcap.com · checked Oct 19, 2026 |
| Min DSCR | Not published | Not published |
| DSCR below 1.0 | Yes Lender sources · checked Oct 18, 2026 | Yes easystreetcap.com · checked Oct 19, 2026 |
| No-ratio option | Yes Lender sources · checked Oct 18, 2026 | Not published |
| Max LTV (purchase) | 85% angeloakms.com · checked Oct 19, 2026 | 80% easystreetcap.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | Not published | 75% easystreetcap.com · checked Oct 19, 2026 |
| Min loan | $100K angeloakms.com · checked Oct 19, 2026 | $100K easystreetcap.com · checked Oct 19, 2026 |
| Max loan | $3M angeloakms.com · checked Oct 19, 2026 | $3.5M easystreetcap.com · checked Oct 19, 2026 |
| Prepayment | Not published | Typically 5/4/3/2/1 step-down Lender sources · checked Oct 18, 2026 |
| States served | 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 | All except ND, SD Lender sources · checked Oct 18, 2026 |
| First-time investors | Not published | Yes Lender sources · checked Oct 18, 2026 |
| Channel | Wholesale (via approved mortgage professionals) | Direct lender |
| 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.