New technology enhancement helps deliver faster approvals, greater certainty and a smoother borrower experience as Angel Oak and Clear Capital bring innovation to the non-QM space

Angel Oak Mortgage Solutions LLC, NMLS ID #1160240, a leading nonbank wholesale and correspondent non-qualified mortgage (non-QM) lender, today announced a groundbreaking enhancement to its debt service coverage ratio (DSCR) loan program — the launch of a rental automated valuation model (AVM). This new technological enhancement incorporating Clear Capital’s Rental AVM marks an industry first, instantly estimating data-backed rental income for rental property calculations held through closing, delivering unprecedented certainty and speed to brokers and borrowers alike.

For years, a tedious, manual appraisal process has challenged DSCR loans. This process can take weeks and often results in changes to loan parameters and rates just before closing. Angel Oak’s addition of Clear Capital’s AVM eliminates this uncertainty by using the same MLS data and comparable analysis that appraisers use. The algorithm-based analysis enables the firm to reliably estimate rental figures within seconds.

Once a pre-qualification is submitted and meets credit requirements, Angel Oak’s system instantly generates a rental AVM figure for the property. That number is then locked in for the loan term, barring significant changes, giving brokers and borrowers confidence that the loan will close under the agreed parameters. While other lenders have to wait for a physical appraisal to determine the actual DSCR, Angel Oak’s rental AVM determines that upfront, ultimately helping borrowers reach closing faster.

“This is a game-changer for rental owners and borrowers and our vertically integrated platform with our affiliated asset management business, Angel Oak Capital Advisors, strengthens our ability to bring innovative solutions to the market,” said Tom Hutchens, President of Angel Oak Mortgage Solutions. “For the first time, borrowers and investors can have a higher surety of execution from day one with Angel Oak, which means faster timelines, fewer surprises and happier borrowers. No other lender in the industry offers this kind of certainty and speed for DSCR loans,” added Hutchens. “This enhancement gives originators a competitive edge and provides investors with the confidence to act quickly in today’s dynamic rental market.”

To learn more about Angel Oak Mortgage Solutions, click here.

About Angel Oak Mortgage Solutions LLC

Angel Oak Mortgage Solutions LLC (NMLS ID #1160240), a leader in alternative lending solutions, is a top nonbank wholesale and correspondent lender of non-QM loans. Its experienced team of mortgage professionals has pioneered a commonsense approach to overcoming today’s mortgage lending challenges. Angel Oak, which operates in 46 states and the District of Columbia, offers a breadth of non-QM products that expand the pool of borrowers, giving partners more opportunities to grow their businesses and better serve their customers.

For more information, please visit www.angeloakms.com.

About Clear Capital

Clear Capital is a national real estate analytics, data solutions and valuation technology company with a simple purpose: to build confidence in real estate decisions to strengthen communities and improve lives. Our goal is to provide customers with a complete understanding of nearly every U.S. property through our AI-driven analytics, data solutions, valuation services and automated appraisal review platforms. Our commitment to excellence – wherever it leads, whatever it takes® – is embodied by our team members across our brands and has remained steadfast in this pursuit since our first order in 2001.

For more information, please visit www.clearcapital.com.

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