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. A&D Mortgage is a hard money lender, describing its footprint as "states not publicly disclosed".
For a rental investor, the products on file are rental DSCR. On the deal itself, A&D Mortgage publishes leverage up to 80% LTV / 80% LTC. A&D Mortgage originates exclusively through mortgage brokers — a borrower cannot apply directly.
No SEC filing establishes a corporate-ownership relationship for A&D Mortgage— the ordinary case for a privately held company with no public debt or equity outstanding, not a sign of anything irregular. Its published lending figures were last checked against a source it published on Sep 17, 2026.
Published facts
Max LTV
80%
Max LTC
80%
Min credit score
620
Min DSCR
0.00
Channel
Broker only
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.
Verification record
Reviewed Sep 25, 2026
⬜ No SEC filing to check against — A&D Mortgage is privately held and files nothing with the SEC under its own name, or no filing naming it was found. This is the expected, normal case for the large majority of lenders on this site, not a red flag.
Hits (Axos Financial, Annaly Capital Management, Ameriprise Certificate Co., D.R. Horton, Intermet Corp) are unrelated companies matched on generic word fragments; no SEC registrant relationship found for A&D Mortgage.
✅ Published criteria verified — Sep 17, 2026.
⬜ Regulatory complaint check — not yet run.
What A&D Mortgage has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask A&D Mortgage about, not as a criticism. Of the 11 criteria categories this directory tracks, A&D Mortgage has not published 7:
- Loan size range (31 of 38 lenders here publish it)
- Rate range (22 of 38 lenders here publish it)
- Points range (21 of 38 lenders here publish it)
- State-coverage count (14 of 38 lenders here publish it)
- Entity / vesting requirement (3 of 38 lenders here publish it)
- Loan terms (21 of 38 lenders here publish it)
- Typical close time (21 of 38 lenders here publish it)
Products
- rental DSCR — a 30-year rental loan qualified on the property's own rent-to-payment ratio rather than the borrower's tax returns See the glossary entry.
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.
Deal scenarios A&D Mortgage clears
A&D Mortgage's published criteria clear 8 of the 119 deal scenarios this site tests — computed the same way every /loan-for/ page computes its own roster, from the stored fields above, not curated by hand. A scenario only counts here if its numeric rules actually narrowed the lender pool; scenarios that match on product tags alone are left out.
Credit and qualification (2)
Cash flow and DSCR (2)
Purpose and structure (3)
Leverage and pricing (1)
How A&D Mortgage compares
A&D Mortgage is not among the 9 lenders this site runs head-to-head comparison pages for — that roster is chosen by brand-name search volume in Search Console, not by hand-picking who looks good next to whom. The full directory lets you set A&D Mortgage's published figures side by side with any other lender's profile directly. Open the directory.