A&D Mortgage for Alabama investors
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.
Alabama context
Alabama has one of the lowest property tax rates in the country, making DSCR cash flow economics strong. Strong investor activity in Birmingham, Huntsville, and Mobile.
How A&D Mortgage positions in Alabama
The Alabama lender pool for DSCR includes A&D Mortgage among the active platforms. Alabama top metros (Birmingham, Huntsville, Mobile) see meaningful A&D Mortgage loan volume.
City-level coverage in Alabama
A&D Mortgage provides DSCR coverage across Alabama metros including Birmingham, Huntsville, and Mobile. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. A&D Mortgage program terms apply uniformly across Alabama metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | — - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Alabama property tax | 0.4% |
| Alabama state income tax | 5% |
A&D Mortgage strengths in Alabama
- 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+
Ideal borrower: Broker-originated borrower using a no-ratio DSCR program, or a borrower with 680+ credit for a sub-1.0 DSCR deal.
FAQ
Likely; verify direct Alabama coverage. A&D Mortgage is based in an undisclosed location and operates in states not publicly disclosed.
Birmingham is the top investor market in Alabama and is generally within A&D Mortgage states not publicly disclosed footprint. Birmingham property tax follows the Alabama state rate of 0.4 percent. A&D Mortgage typically underwrites Birmingham acquisitions at standard rate sheets.
Yes. Huntsville ranks among the larger Alabama investor metros and sees consistent DSCR loan volume from A&D Mortgage. Submarket variation within Huntsville matters for property selection.
A&D Mortgage applies the same rate sheet across Alabama metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Birmingham, Huntsville, and Mobile all qualify for the same A&D Mortgage program.
A&D Mortgage does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Alabama has one of the lowest property tax rates in the country, making DSCR cash flow economics strong. Strong investor activity in Birmingham, Huntsville, and Mobile. A&D Mortgage follows standard business-purpose loan structures.
A&D Mortgage funds rental DSCR in Alabama.
Alabama allows standard DSCR prepay structures; A&D Mortgage typically uses 3-5 year step down.
A&D Mortgage typical close: Not publicly published.
Bottom line
For Alabama DSCR borrowers, A&D Mortgage is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with A&D Mortgage.