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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:

  • FICO 599
  • Up to 80% LTV
  • Loan Amount up to $3mm
  • Max Cash in Hand $1,000,000, no limit for LTV <55%
  • 30 Year Fixed, 5/1 ARM, 7/1ARM
  • No Income, No Employment
  • DSCR as low as 0
  • Cash Out Proceeds may be used for Reserves
  • Eligible for Non-Permanent Residents (Foreign National DSCR is available under Foreign National Program)
  • Ownership of any Property within the past 24 Months

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

- FICO 580
- 80% LTV
- Cash out up to 75% LTV
- Savings and CHK. 100%
- Securities at 90%
- Retirement at 70%
- Cash out available
- Income calculation -All Eligible Assets Divided by 60
- Super Prime & Prime Programs

Prime Jumbo

- Min. FICO 660
- Up to 89.99% LTV
- 15 & 30 Year Fixed up to $3mm
- Cash out up to 89.99% LTV
- Manual UW for over $2mm
- DU Approve/Ineligible
- No Mortgage Insurance required
- Primary, Second Home and Investment properties are allowed
- Purchase, Rate/Term Refinance and Cash Out Refinance
- Delayed financing is available up to 180 days
- No Overlays on Reserves, Credit and Tradelines – per DU
- Income as per DU

Full Doc Non-QM

- FICO 580
- 90% LTV
- Loan Amount up to $4mm​
- Max Cash in hand $1,000,000, no limit for LTV < 55%
- Cash out up to 80% LTV​
- Traditional Income​
- 2Y Credit Event allowed​
- Super Prime & Prime Programs​
- Condo up to 90% LTV​
- Condotels allowed