A&D Mortgage for Louisiana 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.
Louisiana context
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost.
How A&D Mortgage positions in Louisiana
Within Louisiana, A&D Mortgage competes alongside other DSCR lenders. A&D Mortgage strengths: No-ratio DSCR program (0.00 minimum DSCR), Broker-only origination. The high aggregate DSCR economics of Louisiana create demand for A&D Mortgage programs in New Orleans and Baton Rouge particularly.
City-level coverage in Louisiana
A&D Mortgage provides DSCR coverage across Louisiana metros including New Orleans, Baton Rouge, and Shreveport. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. A&D Mortgage program terms apply uniformly across Louisiana 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 |
| Louisiana property tax | 0.6% |
| Louisiana state income tax | 4.25% |
A&D Mortgage strengths in Louisiana
- 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 Louisiana coverage. A&D Mortgage is based in an undisclosed location and operates in states not publicly disclosed.
New Orleans is the top investor market in Louisiana and is generally within A&D Mortgage states not publicly disclosed footprint. New Orleans property tax follows the Louisiana state rate of 0.6 percent. A&D Mortgage typically underwrites New Orleans acquisitions at standard rate sheets.
Yes. Baton Rouge ranks among the larger Louisiana investor metros and sees consistent DSCR loan volume from A&D Mortgage. Submarket variation within Baton Rouge matters for property selection.
A&D Mortgage applies the same rate sheet across Louisiana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. New Orleans, Baton Rouge, and Shreveport 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.
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost. A&D Mortgage follows standard business-purpose loan structures.
A&D Mortgage funds rental DSCR in Louisiana.
Louisiana 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
Louisiana 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.