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Angel Oak Mortgage Solutions alternatives: lenders with similar or more flexible published STR terms

Other direct lenders we track, compared with Angel Oak Mortgage Solutions on the core loan terms both lenders publish. Each figure links to the lender page it came from, with the date we checked it.

Read this first

Based on published terms only; rates and pricing aren't compared. Confirm with each lender. A term one side doesn't publish is “not comparable (not published)” and doesn't count either way. Nothing here is a ranking.

At least as flexible on every shared term
4
More flexible on some terms
14
Direct lenders compared
24
Checked
Oct 22, 2026

What Angel Oak Mortgage Solutions publishes

The terms every alternative below is compared against. Verified from lender's own page on Oct 22, 2026

Angel Oak Mortgage Solutions published core terms
TermAngel Oak Mortgage Solutions
Min credit score680source · Oct 22, 2026
Min DSCRNot published
DSCR below 1.0Yessource · Oct 22, 2026
No-ratio optionYessource · Oct 22, 2026
Max LTV (purchase)85%source · Oct 22, 2026
Max LTV (cash-out)Not published
Min loan$100Ksource · Oct 22, 2026
Max loan$3Msource · Oct 22, 2026
STR income methodProjectionsource · Oct 22, 2026
First-time investorsNot published
States servedLicensed in 47 states/DCsource · Oct 22, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than Angel Oak Mortgage Solutions on every term both lenders publish, with at least 3 terms in common. ✓ = more flexible, = = the same. Sorted by how many terms can be compared, then how many are more flexible.

Griffin Funding 3 more flexible · 5 same · 8 compared

Griffin Funding compared with Angel Oak Mortgage Solutions on terms both publish
TermAngel Oak Mortgage SolutionsGriffin Fundingvs Angel Oak Mortgage Solutions
Min credit score680620source · Oct 22, 2026more flexible
DSCR below 1.0YesYessource · Oct 22, 2026same
No-ratio optionYesYessource · Oct 22, 2026same
Max LTV (purchase)85%85%source · Oct 22, 2026same
Min loan$100K$100Ksource · Oct 22, 2026same
Max loan$3M$4.5Msource · Oct 22, 2026more flexible
STR income methodProjectionEithersource · Oct 22, 2026same
States servedLicensed in 47 states/DCAll 50 states + DCsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, Max LTV (cash-out), First-time investors.

Griffin Funding lender pageCompare Angel Oak Mortgage Solutions and Griffin Funding

theLender 3 more flexible · 4 same · 7 compared

theLender compared with Angel Oak Mortgage Solutions on terms both publish
TermAngel Oak Mortgage SolutionstheLendervs Angel Oak Mortgage Solutions
Min credit score680620source · Oct 22, 2026more flexible
DSCR below 1.0YesYessource · Oct 22, 2026same
Max LTV (purchase)85%85%source · Oct 22, 2026same
Min loan$100K$100Ksource · Oct 22, 2026same
Max loan$3M$3.5Msource · Oct 22, 2026more flexible
STR income methodProjectionEithersource · Oct 22, 2026same
States servedLicensed in 47 states/DCLicensed in 50 states/DCsource · Oct 19, 2026more flexible

Not comparable (not published by one or both): Min DSCR, No-ratio option, Max LTV (cash-out), First-time investors.

theLender lender pageCompare Angel Oak Mortgage Solutions and theLender

LendSure Mortgage 2 more flexible · 5 same · 7 compared

LendSure Mortgage compared with Angel Oak Mortgage Solutions on terms both publish
TermAngel Oak Mortgage SolutionsLendSure Mortgagevs Angel Oak Mortgage Solutions
Min credit score680660source · Oct 22, 2026more flexible
DSCR below 1.0YesYessource · Oct 22, 2026same
No-ratio optionYesYessource · Oct 22, 2026same
Max LTV (purchase)85%85%source · Oct 22, 2026same
Max loan$3M$3Msource · Oct 22, 2026same
STR income methodProjectionEithersource · Oct 19, 2026same
States servedLicensed in 47 states/DCLicensed in 50 states/DCsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, Max LTV (cash-out), Min loan, First-time investors.

LendSure Mortgage lender pageCompare Angel Oak Mortgage Solutions and LendSure Mortgage

Truss Financial Group 2 more flexible · 1 same · 3 compared

Truss Financial Group compared with Angel Oak Mortgage Solutions on terms both publish
TermAngel Oak Mortgage SolutionsTruss Financial Groupvs Angel Oak Mortgage Solutions
Min credit score680650source · Oct 22, 2026more flexible
No-ratio optionYesYessource · Oct 22, 2026same
Max loan$3M$30Msource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, DSCR below 1.0, Max LTV (purchase), Max LTV (cash-out), Min loan, STR income method, First-time investors, States served.

Truss Financial Group lender pageCompare Angel Oak Mortgage Solutions and Truss Financial Group

More flexible on some terms

More flexible than Angel Oak Mortgage Solutions on at least one term both publish, and less flexible or different on others. Both are listed so you can see the trade-off. Showing 8 of 14.

A&D Mortgage 8 terms compared

  • More flexibleMin credit score: 620 vs 680; Min loan: $75K vs $100K
  • Less flexibleMax LTV (purchase): 80% vs 85%
  • DifferentStates served: lists 4 states (AK, MA, NY, VT) Angel Oak Mortgage Solutions doesn't, but not 1 state (HI) Angel Oak Mortgage Solutions lists
  • SameDSCR below 1.0, No-ratio option, Max loan, STR income method
  • Not comparable (not published)Min DSCR, Max LTV (cash-out), First-time investors

Values: A&D Mortgage first, then Angel Oak Mortgage Solutions. Sources and check dates are on each lender page.

A&D Mortgage lender pageCompare Angel Oak Mortgage Solutions and A&D Mortgage

Lima One Capital 8 terms compared

  • More flexibleMin credit score: 660 vs 680; Min loan: $75K vs $100K
  • Less flexibleDSCR below 1.0: No vs Yes; No-ratio option: No vs Yes; Max LTV (purchase): 75% vs 85%; Max loan: $2.5M vs $3M
  • DifferentStates served: lists 2 states (MA, NY) Angel Oak Mortgage Solutions doesn't, but not 2 states (ND, SD) Angel Oak Mortgage Solutions lists
  • SameSTR income method
  • Not comparable (not published)Min DSCR, Max LTV (cash-out), First-time investors

Values: Lima One Capital first, then Angel Oak Mortgage Solutions. Sources and check dates are on each lender page.

Lima One Capital lender pageCompare Angel Oak Mortgage Solutions and Lima One Capital

Newfi Wholesale 8 terms compared

  • More flexibleMin credit score: 640 vs 680; States served: Licensed in 49 states/DC vs Licensed in 47 states/DC
  • Less flexibleDSCR below 1.0: No vs Yes; No-ratio option: No vs Yes; Max LTV (purchase): 75% vs 85%; Min loan: $125K vs $100K
  • SameMax loan, STR income method
  • Not comparable (not published)Min DSCR, Max LTV (cash-out), First-time investors

Values: Newfi Wholesale first, then Angel Oak Mortgage Solutions. Sources and check dates are on each lender page.

Newfi Wholesale lender pageCompare Angel Oak Mortgage Solutions and Newfi Wholesale

Acra Lending 8 terms compared

  • More flexibleMin credit score: 640 vs 680
  • Less flexibleMax LTV (purchase): 75% vs 85%; STR income method: 12-month history vs Projection
  • DifferentStates served: lists 3 states (MA, NY, VT) Angel Oak Mortgage Solutions doesn't, but not 2 states (ND, SD) Angel Oak Mortgage Solutions lists
  • SameDSCR below 1.0, No-ratio option, Min loan, Max loan
  • Not comparable (not published)Min DSCR, Max LTV (cash-out), First-time investors

Values: Acra Lending first, then Angel Oak Mortgage Solutions. Sources and check dates are on each lender page.

Acra Lending lender pageCompare Angel Oak Mortgage Solutions and Acra Lending

New Silver 8 terms compared

  • More flexibleMin credit score: 660 vs 680
  • Less flexibleDSCR below 1.0: No vs Yes; No-ratio option: No vs Yes; Max LTV (purchase): 80% vs 85%; Min loan: $150K vs $100K
  • DifferentStates served: lists 2 states (MA, NY) Angel Oak Mortgage Solutions doesn't, but not 7 states Angel Oak Mortgage Solutions lists
  • SameMax loan, STR income method
  • Not comparable (not published)Min DSCR, Max LTV (cash-out), First-time investors

Values: New Silver first, then Angel Oak Mortgage Solutions. Sources and check dates are on each lender page.

New Silver lender pageCompare Angel Oak Mortgage Solutions and New Silver

Easy Street Capital 7 terms compared

  • More flexibleMin credit score: 640 vs 680; Max loan: $3.5M vs $3M
  • Less flexibleMax LTV (purchase): 80% vs 85%
  • DifferentStates served: lists 4 states (AK, MA, NY, VT) Angel Oak Mortgage Solutions doesn't, but not 2 states (ND, SD) Angel Oak Mortgage Solutions lists
  • SameDSCR below 1.0, Min loan, STR income method
  • Not comparable (not published)Min DSCR, No-ratio option, Max LTV (cash-out), First-time investors

Values: Easy Street Capital first, then Angel Oak Mortgage Solutions. Sources and check dates are on each lender page.

Easy Street Capital lender pageCompare Angel Oak Mortgage Solutions and Easy Street Capital

1st Nationwide Mortgage 7 terms compared

  • More flexibleMin credit score: 640 vs 680
  • Less flexibleMax LTV (purchase): 80% vs 85%; Max loan: $1.5M vs $3M
  • DifferentStates served: lists 2 states (AK, MA) Angel Oak Mortgage Solutions doesn't, but not 7 states Angel Oak Mortgage Solutions lists
  • SameDSCR below 1.0, Min loan, STR income method
  • Not comparable (not published)Min DSCR, No-ratio option, Max LTV (cash-out), First-time investors

Values: 1st Nationwide Mortgage first, then Angel Oak Mortgage Solutions. Sources and check dates are on each lender page.

1st Nationwide Mortgage lender pageCompare Angel Oak Mortgage Solutions and 1st Nationwide Mortgage

Defy Mortgage 7 terms compared

  • More flexibleMin loan: $75K vs $100K
  • Less flexibleMin credit score: 720 vs 680; DSCR below 1.0: No vs Yes; Max LTV (purchase): 75% vs 85%; Max loan: $2.5M vs $3M
  • DifferentStates served: lists 2 states (MA, NY) Angel Oak Mortgage Solutions doesn't, but not 9 states Angel Oak Mortgage Solutions lists
  • SameSTR income method
  • Not comparable (not published)Min DSCR, No-ratio option, Max LTV (cash-out), First-time investors

Values: Defy Mortgage first, then Angel Oak Mortgage Solutions. Sources and check dates are on each lender page.

Defy Mortgage lender pageCompare Angel Oak Mortgage Solutions and Defy Mortgage

How this page is built

Lower minimum credit score, minimum DSCR and minimum loan count as more flexible; so do higher max LTVs and max loan, a published “Yes” on DSCR below 1.0, no-ratio and first-time investors, an STR income method that accepts projections where Angel Oak Mortgage Solutions counts booking history only, and a state list that includes all of Angel Oak Mortgage Solutions's states plus more. Projection and Either both accept projections, so they count as the same. Referral sources are left out.

Angel Oak Mortgage Solutions

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