No Income Verification DSCR Loans Up to 85% LTV

While some lenders are pulling out of offering No Ratio loans, A&D Mortgage remains confident in being able to offer a no-hassle lending experience to investors wanting a loan up to 85% LTV that requires no income or employment verification.

A typical No Ratio loan, also known as a Debt Service Coverage Ratio (DSCR) loan, allows a borrower to qualify for a mortgage based on cash flow generated from an investment property – through a rental, for example – as opposed to their personal income. A calculation generates a debt-to-income ratio and the higher the ratio, the better.

A&D Mortgage recognizes that not every borrower will qualify for a traditional debt-to-income loan. We know that ownership of an investment property is more than just a ratio. That is why we hoffer our A&D Mortgage’s DSCR loan, which allows a ratio as low as zero and LTVs up to 85%.

Program Highlights

• FICO 599
• Up to 85% CLTV
• Loan amounts up to $3 million
• No income or employment verification