A&D Mortgage
A&D Mortgage is the foreign national specialist. While most lenders offer FN as an add-on program, A&D builds their product line around it. They accept ITIN numbers, have a DSCR floor of literally zero (meaning no rental income is required for qualification), and work with both permanent and non-permanent residents. They also operate wholesale-only through brokers. Most of their detailed terms require broker portal access, so the public-facing information is limited. If you are a foreign national investor or work with a broker who serves them, A&D should be on your shortlist.
- Foreign national and ITIN specialist
- DSCR floor of 0 (no rental income requirement)
- Purpose-built FN programs (not an afterthought)
- LLC vesting allowed
- Wholesale only (via brokers)
Loan requirements
| Minimum DSCR | 0 (below median of 0.75) |
| Minimum FICO | Not disclosed |
| Max LTV (purchase) | Not disclosed |
| Max LTV (cash-out) | Not disclosed |
| Min loan amount | Not disclosed |
| Max loan amount | Not disclosed |
| Prepayment penalty | varies |
| BRRRR seasoning | Not disclosed |
Programs and coverage
| Short-term rentals (STR) | Not disclosed |
| Foreign nationals | Yes |
| State coverage | wholesale only, broad coverage |
| Channel | Wholesale (via brokers only) |
Best for
- Investors with thin-margin properties (sub-1.0 DSCR)
- Foreign national investors
How A&D Mortgage compares
Across the 16 DSCR lenders in our database:
- DSCR floor of 0 is more flexible than the median (0.75). 1 of 16 lenders match or go lower.
- Foreign national program available. 7 of 16 lenders in our dataset serve foreign nationals.
For a full side-by-side comparison, see the lender comparison matrix. Or use the DSCR loan qualifier to find which lenders match your specific deal.
Run your numbers
Before reaching out to A&D Mortgage, model your deal:
- DSCR Calculator to verify your property's debt service coverage ratio
- DSCR Loan Calculator to estimate monthly payments and qualification
- Cash-Out Refi Calculator to see how much equity you can pull out
Frequently asked questions
Is A&D Mortgage a good DSCR lender?
A&D Mortgage is a legitimate DSCR lender with terms last verified on 2026-06-11. Whether they are a good fit depends on your specific deal. Their 0 DSCR floor is more flexible than the market median of 0.75. Compare their terms against 2-3 other lenders before committing.
What is the minimum credit score for A&D Mortgage?
A&D Mortgage does not publicly disclose a minimum FICO requirement. Contact them directly for qualification criteria.
Does A&D Mortgage do short-term rental loans?
A&D Mortgage has not publicly disclosed whether they offer STR programs. Contact them directly to ask.
Does A&D Mortgage work with foreign national investors?
Yes, A&D Mortgage has a foreign national program. Terms may differ from their standard program, including reduced LTV and higher reserves.
What states does A&D Mortgage lend in?
A&D Mortgage's coverage: wholesale only, broad coverage. DSCR lender state coverage changes over time based on licensing and regulatory requirements. Always confirm your state is covered before starting an application.
What is the prepayment penalty at A&D Mortgage?
A&D Mortgage's prepayment penalty structure is: varies. Compare this against other lenders if you might exit within the penalty period.