PIR

Angel Oak Mortgage Solutions vs Defy Mortgage

Rates as of June 17, 2026

Estimated DSCR loan rates compared across 24 borrower scenarios. On lowest estimated rate, Defy Mortgage wins more scenarios (5 of 5).

Illustrative sample data. These figures show how the comparison works — they are notlive lender pricing. Real DSCR rate sheets are broker-gated; we publish live rates only once a lender’s sheet is verified. This page is not indexed by search engines until then.

Angel Oak Mortgage Solutions

0 scenarios lowest

Min DSCR
1
Max LTV
80%
Min FICO
680
Full Angel Oak Mortgage Solutions profile →

Defy Mortgage

5 scenarios lowest

Min DSCR
1
Max LTV
80%
Min FICO
660
Full Defy Mortgage profile →

Rate by scenario, side by side

ScenarioAngel Oak Mortgage SolutionsDefy MortgageLower
Purchase · 75% LTV · 740 FICO · 1.25 DSCR · SFR7.275%7.275%—
Purchase · 80% LTV · 720 FICO · 1.10 DSCR · SFR8.025%8.025%—
Cash-Out Refi · 70% LTV · 760 FICO · 1.30 DSCR · SFR7.025%7.025%—
Purchase · 75% LTV · 700 FICO · 1.00 DSCR · Condo8.400%8.275%Defy Mortgage
Purchase · 65% LTV · 780 FICO · 1.50 DSCR · SFR6.900%6.900%—
Cash-Out · 75% LTV · 720 FICO · 1.20 DSCR · 2-4 Unit7.900%7.900%—
Purchase · 70% LTV · 740 FICO · 1.25 DSCR · SFR · No Prepay8.025%8.025%—
Purchase · 80% LTV · 680 FICO · 1.00 DSCR · SFR8.900%8.900%—
Rate/Term Refi · 75% LTV · 760 FICO · 1.35 DSCR · SFR7.400%7.400%—
Purchase · 75% LTV · 720 FICO · 0.75 DSCR · SFR (Low Coverage)8.400%8.400%—
Purchase · 70% LTV · 700 FICO · 1.15 DSCR · 2-4 Unit8.025%8.025%—
Cash-Out · 70% LTV · 740 FICO · 1.25 DSCR · Condo7.400%7.275%Defy Mortgage
Purchase · 60% LTV · 780 FICO · 1.40 DSCR · SFR · Jumbo7.150%7.150%—
Purchase · 75% LTV · 660 FICO · 1.10 DSCR · SFR8.775%8.775%—
Purchase · 80% LTV · 760 FICO · 1.20 DSCR · SFR · Small Balance8.400%8.400%—
Cash-Out · 65% LTV · 720 FICO · 1.30 DSCR · SFR7.275%7.275%—
Purchase · 75% LTV · 740 FICO · 1.25 DSCR · Condo · 3yr Prepay7.775%7.650%Defy Mortgage
Rate/Term Refi · 70% LTV · 700 FICO · 1.20 DSCR · SFR7.775%7.775%—
Purchase · 80% LTV · 740 FICO · 1.10 DSCR · 2-4 Unit8.025%8.025%—
Purchase · 70% LTV · 760 FICO · 1.25 DSCR · SFR · $1M+7.275%7.275%—
Cash-Out · 75% LTV · 680 FICO · 1.05 DSCR · SFR8.525%8.525%—
Purchase · 65% LTV · 740 FICO · 1.35 DSCR · Condo7.400%7.275%Defy Mortgage
Purchase · 75% LTV · 720 FICO · 1.20 DSCR · SFR · 3yr Prepay7.900%7.900%—
Purchase · 80% LTV · 700 FICO · 1.00 DSCR · Condo8.775%8.650%Defy Mortgage

Estimated, not a quote. Rates are computed from a base index plus illustrative lender adjustment grids and are not offers. Actual terms depend on the lender, property, and your full profile. PropertyInvestorRates may earn a referral fee on a funded loan. We are not a lender or mortgage broker.

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