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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.

Program highlights:

  • No Income, No Employment
  • 80% LTV
  • FICO 599
  • DSCR as low as 0
  • 30 Year Fixed, 5/1 ARM, 7/1ARM
  • Loan Amount up to $3mm
  • Max Cash in hand $1,000,000
  • Cash out proceeds may be used for Reserves

Video tutorial

We will call you back if you have any questions.

  • We will contact you if you have any questions

Other Programs

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Non Permanent Resident

- 70% LTV
- 660 Credit Score
- Bank Statements Allowed

Asset Utilization

- Savings and CHK. 100%
- Securities at 90%
- Retirement at 70%
- 75% LTV
- FICO 580
- Cash out available - Income calculation All Eligible Assets Divided by 100
- Cash out up to 75% LTV
- Super Prime & Prime Programs

Prime Jumbo

- DU Approve/Ineligible
- Min FICO 660
- Up to 89.99% LTV
- 30 year fixed up to $2mm
- No Mortgage Insurance required
- Primary, Second Home and Investment properties are allowed
- Available for Purchase, Rate/Term Refinance and Cash-Out Refinance
- Delayed financing is available up to 180 days
- No Overlays on Reserves – refer to DU
- No Overlays on Credit and Tradelines – refer to DU
- Income as per DU

Full Doc NQM

- Traditional Income
- Loan Amount up to
- Max Cash in hand
- 90% LTV
- FICO 580
- Condo 80% LTV
- Cash out up to 80% LTV
- 2Y Credit Event allowed
- Super Prime & Prime