A&D Mortgage for Colorado 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.
Colorado context
Colorado property tax low. Mountain STR markets (Vail, Breckenridge, Aspen) premium. Statewide rent control discussions active.
How A&D Mortgage positions in Colorado
Within Colorado, A&D Mortgage competes alongside other DSCR lenders. A&D Mortgage strengths: No-ratio DSCR program (0.00 minimum DSCR), Broker-only origination. The medium aggregate DSCR economics of Colorado create demand for A&D Mortgage programs in Denver and Colorado Springs particularly.
City-level coverage in Colorado
A&D Mortgage provides DSCR coverage across Colorado metros including Denver, Colorado Springs, and Fort Collins. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. A&D Mortgage program terms apply uniformly across Colorado 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 |
| Colorado property tax | 0.5% |
| Colorado state income tax | 4.4% |
A&D Mortgage strengths in Colorado
- 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 Colorado coverage. A&D Mortgage is based in an undisclosed location and operates in states not publicly disclosed.
Denver is the top investor market in Colorado and is generally within A&D Mortgage states not publicly disclosed footprint. Denver property tax follows the Colorado state rate of 0.5 percent. A&D Mortgage typically underwrites Denver acquisitions at standard rate sheets.
Yes. Colorado Springs ranks among the larger Colorado investor metros and sees consistent DSCR loan volume from A&D Mortgage. Submarket variation within Colorado Springs matters for property selection.
A&D Mortgage applies the same rate sheet across Colorado metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Denver, Colorado Springs, and Fort Collins 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.
Colorado property tax low. Mountain STR markets (Vail, Breckenridge, Aspen) premium. Statewide rent control discussions active. A&D Mortgage follows standard business-purpose loan structures.
A&D Mortgage funds rental DSCR in Colorado.
Colorado 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
Colorado 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.