A&D Mortgage recognizes not every borrower will qualify for a traditional low debt-to-income loan. But A&D knows ownership in an investment property is more than just a debt-to-Income ratio. That is why we have introduced our Debt Service Compare Ratio (DSCR) loan.
No DTI Ratio
No W2, tax returns or paystub
Mortgage underwriting is based on the property’s income potential compared to the expenses.
Ownership of a primary residence is required
Minimum 620 credit score
No reserves required