Investor Cash Flow Loan

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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Property State

Loan Purpose

PurchaseRefinance

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Residence Type

Primary ResidenceSecond Home / Investment Property

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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.

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Angel Oak Home Loans LLC NMLS# 685842, For licensing information, go to: (www.nmlsconsumeraccess.org), Licensed in AL, AZ #0927070, AR, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act , CO, DC, FL, GA #32379, ID, IL, IN, KY, LA, ME, MD, MI, MN, MS, MT, ND dba AOHL LLC, NE, NH, Licensed by the N.J. Department of Banking and Insurance, NM, NC, ND dba AOHL LLC, OH, OK, OR, PA, Rhode Island Licensed Lender, SC, TN, TX, UT, VT, VA, WA dba AOHL LLC, WV, WI, WY. Corporate Office: 980 Hammond Drive, Suite 200, Atlanta, GA 30328. The information contained herein is for informational purposes only and is not a commitment to lend. The programs, rates, terms, and conditions are subject to change at any time without prior notice. Not all borrowers will meet the requirements necessary to qualify. All loans are subject to credit and property approval. Other restrictions and limitations may apply.