A&D Mortgage for Nevada 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.
Nevada context
Nevada no state income tax. Las Vegas STR active but regulated. Nevada strong LLC privacy.
How A&D Mortgage positions in Nevada
The Nevada lender pool for DSCR includes A&D Mortgage among the active platforms. Nevada top metros (Las Vegas, Reno, Henderson) see meaningful A&D Mortgage loan volume.
City-level coverage in Nevada
A&D Mortgage provides DSCR coverage across Nevada metros including Las Vegas, Reno, and Henderson. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. A&D Mortgage program terms apply uniformly across Nevada 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 |
| Nevada property tax | 0.6% |
| Nevada state income tax | None |
A&D Mortgage strengths in Nevada
- 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 Nevada coverage. A&D Mortgage is based in an undisclosed location and operates in states not publicly disclosed.
Las Vegas is the top investor market in Nevada and is generally within A&D Mortgage states not publicly disclosed footprint. Las Vegas property tax follows the Nevada state rate of 0.6 percent. A&D Mortgage typically underwrites Las Vegas acquisitions at standard rate sheets.
Yes. Reno ranks among the larger Nevada investor metros and sees consistent DSCR loan volume from A&D Mortgage. Submarket variation within Reno matters for property selection.
A&D Mortgage applies the same rate sheet across Nevada metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Las Vegas, Reno, and Henderson 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.
Nevada no state income tax. Las Vegas STR active but regulated. Nevada strong LLC privacy. A&D Mortgage follows standard business-purpose loan structures.
A&D Mortgage funds rental DSCR in Nevada.
Nevada 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
A&D Mortgage in Nevada works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with A&D Mortgage.