A&D Mortgage for Alaska 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.
Alaska context
Alaska has no state income tax. Property values vary widely by region. STR market driven by tourism.
How A&D Mortgage positions in Alaska
The Alaska lender pool for DSCR includes A&D Mortgage among the active platforms. Alaska top metros (Anchorage, Fairbanks, Alaska) see meaningful A&D Mortgage loan volume.
City-level coverage in Alaska
A&D Mortgage provides DSCR coverage across Alaska metros including Anchorage, Fairbanks, and Alaska. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. A&D Mortgage program terms apply uniformly across Alaska 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 |
| Alaska property tax | 1.2% |
| Alaska state income tax | None |
A&D Mortgage strengths in Alaska
- 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 Alaska coverage. A&D Mortgage is based in an undisclosed location and operates in states not publicly disclosed.
Anchorage is the top investor market in Alaska and is generally within A&D Mortgage states not publicly disclosed footprint. Anchorage property tax follows the Alaska state rate of 1.2 percent. A&D Mortgage typically underwrites Anchorage acquisitions at standard rate sheets.
Yes. Fairbanks ranks among the larger Alaska investor metros and sees consistent DSCR loan volume from A&D Mortgage. Submarket variation within Fairbanks matters for property selection.
A&D Mortgage applies the same rate sheet across Alaska metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Anchorage, Fairbanks, and Alaska 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.
Alaska has no state income tax. Property values vary widely by region. STR market driven by tourism. A&D Mortgage follows standard business-purpose loan structures.
A&D Mortgage funds rental DSCR in Alaska.
Alaska 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
Alaska investors considering A&D Mortgage should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with A&D Mortgage.