A&D Mortgage for New York 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.
New York context
New York City DSCR rarely pencils. Upstate metros (Buffalo, Rochester, Syracuse) produce strong cash flow. NYC strict rent stabilization.
How A&D Mortgage positions in New York
New York is well covered by national DSCR lenders, with A&D Mortgage as one option. Where A&D Mortgage differentiates: No-ratio DSCR program (0.00 minimum DSCR). Where it competes: rates not publicly published against peer programs.
City-level coverage in New York
A&D Mortgage provides DSCR coverage across New York metros including New York City, Buffalo, and Rochester. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. A&D Mortgage program terms apply uniformly across New York 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 |
| New York property tax | 1.7% |
| New York state income tax | 10.9% |
A&D Mortgage strengths in New York
- 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 New York coverage. A&D Mortgage is based in an undisclosed location and operates in states not publicly disclosed.
New York City is the top investor market in New York and is generally within A&D Mortgage states not publicly disclosed footprint. New York City property tax follows the New York state rate of 1.7 percent. A&D Mortgage typically underwrites New York City acquisitions at standard rate sheets.
Yes. Buffalo ranks among the larger New York investor metros and sees consistent DSCR loan volume from A&D Mortgage. Submarket variation within Buffalo matters for property selection.
A&D Mortgage applies the same rate sheet across New York metros. Pricing variation comes from property-specific factors rather than metro location within the same state. New York City, Buffalo, and Rochester 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.
New York City DSCR rarely pencils. Upstate metros (Buffalo, Rochester, Syracuse) produce strong cash flow. NYC strict rent stabilization. A&D Mortgage follows standard business-purpose loan structures.
A&D Mortgage funds rental DSCR in New York.
New York has some restrictions on prepayment penalty 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 New York 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.