Angel Oak Mortgage Solutions vs Griffin Funding
What each lender publishes about financing short-term rentals, side by side. Angel Oak Mortgage Solutions: licensed in 47 states/dc. Griffin Funding: all 50 states + dc.
The short version
- Angel Oak Mortgage Solutions qualifies STR income on a projection; Griffin Funding accepts STR history or a projection.
- Griffin Funding has the lower minimum credit score (620 vs 680).
- Both publish a 85% max purchase LTV.
- Only Griffin Funding publishes a max cash-out LTV (80%).
- Both publish a $100K minimum loan.
- Neither publishes a minimum DSCR.
- Angel Oak Mortgage Solutions does not publish a policy on first-time investors; Griffin Funding 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) | Griffin FundingDirect lender (consumer-direct) |
|---|---|---|
| STR income method | Projection Lender sources · checked Oct 18, 2026 | Either griffinfunding.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 Airbnb/Vrbo history; 80% where a 20% expense factor applies, 100% on other programs. Projection: Purchase: AirDNA and/or appraiser STR analysis (often the lower of the two); 80% or 100% by program. griffinfunding.com · checked Oct 19, 2026 |
| Min credit score | 680 angeloakms.com · checked Oct 19, 2026 | 620 griffinfunding.com · checked Oct 19, 2026 |
| Min DSCR | Not published | Not published |
| DSCR below 1.0 | Yes Lender sources · checked Oct 18, 2026 | Yes Lender sources · checked Oct 18, 2026 |
| No-ratio option | Yes Lender sources · checked Oct 18, 2026 | Yes Lender sources · checked Oct 18, 2026 |
| Max LTV (purchase) | 85% angeloakms.com · checked Oct 19, 2026 | 85% Lender sources · checked Oct 18, 2026 |
| Max LTV (cash-out/refi) | Not published | 80% griffinfunding.com · checked Oct 19, 2026 |
| Min loan | $100K angeloakms.com · checked Oct 19, 2026 | $100K griffinfunding.com · checked Oct 19, 2026 |
| Max loan | $3M angeloakms.com · checked Oct 19, 2026 | $4.5M griffinfunding.com · checked Oct 19, 2026 |
| Prepayment | Not published | 0-5 year terms; common structure is a 5-year step-down (5/4/3/2/1); can be bought out at closing griffinfunding.com · checked Oct 19, 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 50 states + DC Lender sources · checked Oct 18, 2026 |
| First-time investors | Not published | Yes griffinfunding.com · checked Oct 19, 2026 |
| Channel | Wholesale (via approved mortgage professionals) | Direct lender (consumer-direct) |
| 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.