#Yes to Investors
  • Get the financing you need for an investment property
  • Qualify for a loan with a DSCR as low as zero
  • Easier approval process than traditional debt-to-income loans
  • Work with a lender that understands investment property
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dscr program


FICO 660
Up to 80% CLTV if DSCR > 1.00
Up to 75% CLTV if DSCR is 0.75-1.00
Up to 70% CLTV if DSCR <0.75
Loan amounts up to $2.5 million
Max cash-on-hand $1 million, no limit for CLTV <55%
40- & 30-year fixed, 5/6 & 7/6 ARM terms
No income or employment verification
DSCR as low as 0
Eligible for Non-Permanent Residents and Foreign Nationals (under Foreign National DSCR Program)
Ownership of any property within the past 24 months
Condotels allowed

Fast turnaround times


24 hours


24 hours


24 hours


24 hours

24 hours

Learn about DSCR

A typical 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. Most lenders determine that ability to qualify based on the Debt Service Coverage Ratio or DSCR.

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 have our DSCR loan, which allows a ratio as low as zero. But. the higher this ratio is, the easier it is to obtain a loan.

Allowing a DSCR ratio as low as 0 and offering loan amounts up to $2.5 million, A&D Mortgage has the capability, strength and flexibility to successfully meet all your client’s needs.

If you’d like more detailed information about DSCR loans, how the ratio is calculated, and examples of qualifiable loan scenarios, please fill out the form below and you’ll receive a free and exclusive PDF by email.

Up to $2.5 M offering loan amounts

Benefits to grow your business

Streamlined Loan Process

Our streamlined loan process provides brokers with industry-leading turn times, ensuring you're always ahead of the competition.

"Can Do" Attitude and Expertise

Our Account Executives bring a "can do" attitude and expertise to every situation, ensuring you're able to get the best solution for your borrower.

Loan Solutions that Grow

Our suite of loan solutions grows to meet the changing needs of borrowers, ensuring you always have a product that fits their unique needs.

Flexible Underwriting

Our flexible underwriting provides solutions to out-of-the-ordinary borrowers, helping them get the financing they need when others have said no.

Why we are trusted

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Please fill out the form below and you will receive a free PDF and free consultation from one of our account executives.


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