Lender profile
A&D Mortgage
hard money
Verified Sep 17, 2026
A&D Mortgage offers a no-ratio DSCR program with an effective 0.00 minimum DSCR, though deals below 1.0 DSCR require a 680+ credit score (the general minimum is 620). Maximum LTV is 80%. The company does not publish minimum/maximum loan size, rate, or state-coverage figures in the sources reviewed.
Published facts
Max LTV
80%
Max LTC
80%
Min credit score
620
Min DSCR
0.00
Channel
Broker only
Terms
Not publicly published
Close time
Not publicly published
A&D Mortgage does not publish a state-coverage count. Its stated geographic focus is “states not publicly disclosed” — a description of intent, not a confirmed licensure claim.
Products
Strengths
- No-ratio DSCR program (0.00 minimum DSCR)
- Broker-only origination
- Maximum 80% LTV
- 620 minimum credit score, though sub-1.0 DSCR deals need 680+
Who this lender suits
Broker-originated borrower using a no-ratio DSCR program, or a borrower with 680+ credit for a sub-1.0 DSCR deal.