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

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