Institutional Investment Solutions
Angel Oak’s affiliated originators are leading producers of Non-Agency Non-QM mortgages. Angel Oak offers investment strategies focused on investing in Non-QM loans with the goal of issuing securitizations backed by this collateral and retaining bonds from the transactions. Non-QM lending and investing is aligned with Environmental, Social and Governance principles, as Angel Oak provides underserved borrowers access to credit. Angel Oak’s borrower base consists primarily of small business owners, self-employed individuals and others who are locked out of the traditional avenues for achieving home financing despite having strong credit profiles.
Bank Subordinated Debt
Angel Oak is a leading investor in regional and community bank subordinated debt. Angel Oak is an issuer of securitizations backed by bank sub-debt and has successfully launched investment strategies predicated on sponsoring and retaining bonds from these deals. The sector is well positioned to benefit as the economic recovery gains traction, with robust new issuance, high levels of capital, and de-risked balance sheets. Angel Oak anticipates additional upside return potential for the retained bonds from these deals on increasing consolidation activity in the underlying portfolios.
Angel Oak Commercial Lending originates commercial real estate loans in the Small Balance Commercial sector as well as in select bridge and transitional lending opportunities. As opposed to CMBS, this type of lending provides for a more tailored risk/return profile. Loans are often backed by personal guarantees and collateralized by smaller properties. Angel Oak is an issuer of securitizations backed by this collateral, locking in permanent financing for the asset class in its various investment strategies.
Angel Oak has the ability to offer custom solutions, meeting the unique liquidity, tax, credit, risk and return needs of institutional clients. Angel Oak offers opportunities such as term-financed portfolios, equity partnership in securitizations, and solutions for the insurance industry, to name a few. Angel Oak’s custom solutions leverage the portfolio management capabilities and operational and legal infrastructure of its broader fund complex and co-mingled solutions.