Investor Cash Flow Loan

Angel Oak's Investor Cash Flow Loan is specifically for real estate investors and does not require proof of income or employment to qualify.
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  • Loans from $75,000 to $1.5 million
  • No income or employment information required
  • Short-term rentals allowed (Airbnb, VRBO)
  • Properties can be in LLC's name
  • No limit on number of properties
  • Purchase, cash-out or rate-term refinance
  • Borrower must own primary residence
  • 40 year fixed interest-only available*

Angel Oak's Investor Cash Flow loan uses the cash flow on a home to qualify for an investment property. Tax returns are not required. This loan saves you from submitting complicated income statements and tax returns.

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Product FAQ

General FAQ

What Is An Investor Cash Flow Loan?
This loan product allows cash flow on a property to be used to qualify for a mortgage loan. No tax returns or employment information is required. This innovative program can help property investors build a portfolio of income generating properties.
Can You Qualify For An Investor Cash Flow Loan If You Own Multiple Properties?
Yes, it is possible to qualify for an Investor Cash Flow loan if you own multiple properties. The limit on the number of homes financed may vary.
Is Employment Documentation Required For An Investor Cash Flow Loan?
No, employment information and tax forms are not required to qualify for Angel Oak’s Investor Cash Flow loan product.