Angel Oak Mortgage Solutions vs Visio Lending
Both are established non-QM lenders. Angel Oak adds bank-statement programs for self-employed borrowers, foreign national financing, and a lower 660 credit floor — but works largely through mortgage brokers. Visio is a direct DSCR specialist with multifamily (2-8 unit) eligibility and a lower rate ceiling, but requires 680 credit. Choose Angel Oak for self-employed or broker-sourced borrowers; Visio for direct DSCR with multifamily.
Shared products: DSCR · Updated March 2026
4.1
Angel Oak Mortgage Solutions
Wins 3 categories
4.2
Visio Lending
Wins 1 categories
Full Comparison
| Feature | Angel Oak Mortgage Solutions | Visio Lending |
|---|---|---|
| Interest Rates | 6.5%–9% | 6.5%–8.5% |
| Max LTV | 80% | 80% |
| Min Credit Score | 660Better | 680 |
| Loan Range | $100K–$3M | $75K–$2M |
| Origination Fee | 0–2 points | 1–2 points |
| Speed to Close | 21–30 days | 21–30 days |
| Experience Required | No experience required | No experience required |
| LLC Borrowing | Yes | Yes |
| Interest-Only | Available | Available |
| Prepayment Penalty | 3-year step-down (DSCR) | 5-4-3-2-1 step-down |
| Foreign National | YesBetter | No |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Condo, Townhouse, Multifamily (5+) | SFR (1-4), Condo, Townhouse, Multifamily (5+) |
| Loan Products | 2 productsBetter | 1 products |
| Founded | 2013 | 2012 |
| Editor Rating | 4.1 / 5.0 | 4.2 / 5.0Better |
Pros & Cons
Angel Oak Mortgage Solutions
Pros
- +Strong bank statement loan programs
- +DSCR and investor cash flow products
- +Large, established non-QM lender
- +Foreign national programs
- +Wide broker network — available through many mortgage brokers
Cons
- –Works through brokers (not direct-to-consumer for many products)
- –Slower closings than fintech lenders
- –Higher minimum credit score than some DSCR competitors
Visio Lending
Pros
- +DSCR specialist — deep product knowledge
- +Competitive rates for 30-year DSCR
- +Consistent underwriting process
- +Interest-only options available
- +Multifamily (2-8 units) eligible
Cons
- –DSCR only — no flip or bridge products
- –Longer closing times than fix-and-flip lenders
- –Longer prepayment penalty period (5 years)
- –Higher credit requirement (680+) than some competitors
Angel Oak Mortgage Solutions
4.1 editor rating · 21–30 days closing
Frequently Asked Questions
Is Angel Oak Mortgage Solutions or Visio Lending better for real estate investors?
Both are established non-QM lenders. Angel Oak adds bank-statement programs for self-employed borrowers, foreign national financing, and a lower 660 credit floor — but works largely through mortgage brokers. Visio is a direct DSCR specialist with multifamily (2-8 unit) eligibility and a lower rate ceiling, but requires 680 credit. Choose Angel Oak for self-employed or broker-sourced borrowers; Visio for direct DSCR with multifamily.
What loan types do Angel Oak Mortgage Solutions and Visio Lending both offer?
Both lenders offer DSCR. Angel Oak Mortgage Solutions offers 2 total products vs Visio Lending's 1.
Which has lower rates, Angel Oak Mortgage Solutions or Visio Lending?
Angel Oak Mortgage Solutions advertises rates starting at 6.5% while Visio Lending starts at 6.5%. Both have the same starting rate, but actual rates depend on your credit score, LTV, property type, and loan product. Always get quotes from both lenders.
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