Requirements
A&D Mortgage lending requirements
The published qualifying criteria for A&D Mortgage — the thresholds a deal is screened against before anything else about it matters. Verified Sep 17, 2026.
Minimum credit score
620
A&D Mortgage sets its credit floor at 620. A borrower scoring below that is not eligible for this program, independent of how the property itself cash-flows.
Minimum DSCR
0.00
A 0.00 minimum means A&D Mortgage does not test the property's rent against its payment at all. A deal that runs cash-flow negative on a straight rent-versus-payment basis can still qualify here, on whatever other criteria the program applies. See How DSCR is calculated.
Maximum leverage
80% LTV / 80% LTC
Maximum loan-to-value is 80% of the property's appraised value — the borrower brings at least 20% of value in cash or equity. Maximum loan-to-cost is 80% of total project cost — purchase price plus rehab budget. That is the binding number on a value-add deal where the finished value will exceed the purchase price, since an LTV cap alone would understate what A&D Mortgage will actually lend against the project.
Origination channel
Broker only
A&D Mortgage originates exclusively through mortgage brokers; a borrower cannot apply to A&D Mortgage directly.
Reading these thresholds together
A&D Mortgage publishes 4 of the 7 criteria categories this directory tracks (credit score, DSCR, leverage, loan size, entity requirement, origination channel, and state coverage). Any category not shown above is not publicly disclosed by A&D Mortgage as of Sep 17, 2026 — treat an absent category as unknown, not as "no requirement."
None of these thresholds are guarantees. A deal that clears every published floor still goes through underwriting on the specific property, borrower history, and documentation and entity structure . These are the gates a deal has to clear before that review even starts.