A&D Mortgage for North Carolina 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.
North Carolina context
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested.
How A&D Mortgage positions in North Carolina
The North Carolina lender pool for DSCR includes A&D Mortgage among the active platforms. North Carolina top metros (Charlotte, Raleigh, Greensboro) see meaningful A&D Mortgage loan volume.
City-level coverage in North Carolina
A&D Mortgage provides DSCR coverage across North Carolina metros including Charlotte, Raleigh, and Greensboro. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. A&D Mortgage program terms apply uniformly across North Carolina 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 |
| North Carolina property tax | 0.8% |
| North Carolina state income tax | 4.5% |
A&D Mortgage strengths in North Carolina
- 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 North Carolina coverage. A&D Mortgage is based in an undisclosed location and operates in states not publicly disclosed.
Charlotte is the top investor market in North Carolina and is generally within A&D Mortgage states not publicly disclosed footprint. Charlotte property tax follows the North Carolina state rate of 0.8 percent. A&D Mortgage typically underwrites Charlotte acquisitions at standard rate sheets.
Yes. Raleigh ranks among the larger North Carolina investor metros and sees consistent DSCR loan volume from A&D Mortgage. Submarket variation within Raleigh matters for property selection.
A&D Mortgage applies the same rate sheet across North Carolina metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charlotte, Raleigh, and Greensboro 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.
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested. A&D Mortgage follows standard business-purpose loan structures.
A&D Mortgage funds rental DSCR in North Carolina.
North Carolina 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 North Carolina 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.