A&D Mortgage for Pennsylvania 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.
Pennsylvania context
Pennsylvania low state income tax. Philadelphia rowhouse and Pittsburgh markets produce strong DSCR cash flow.
How A&D Mortgage positions in Pennsylvania
For Pennsylvania specifically, A&D Mortgage fits investors who match the hard money approach. The high cash flow profile of Pennsylvania aggregate makes it a target market for A&D Mortgage.
City-level coverage in Pennsylvania
A&D Mortgage provides DSCR coverage across Pennsylvania metros including Philadelphia, Pittsburgh, and Allentown. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. A&D Mortgage program terms apply uniformly across Pennsylvania 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 |
| Pennsylvania property tax | 1.6% |
| Pennsylvania state income tax | 3.07% |
A&D Mortgage strengths in Pennsylvania
- 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 Pennsylvania coverage. A&D Mortgage is based in an undisclosed location and operates in states not publicly disclosed.
Philadelphia is the top investor market in Pennsylvania and is generally within A&D Mortgage states not publicly disclosed footprint. Philadelphia property tax follows the Pennsylvania state rate of 1.6 percent. A&D Mortgage typically underwrites Philadelphia acquisitions at standard rate sheets.
Yes. Pittsburgh ranks among the larger Pennsylvania investor metros and sees consistent DSCR loan volume from A&D Mortgage. Submarket variation within Pittsburgh matters for property selection.
A&D Mortgage applies the same rate sheet across Pennsylvania metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Philadelphia, Pittsburgh, and Allentown 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.
Pennsylvania low state income tax. Philadelphia rowhouse and Pittsburgh markets produce strong DSCR cash flow. A&D Mortgage follows standard business-purpose loan structures.
A&D Mortgage funds rental DSCR in Pennsylvania.
Pennsylvania 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 Pennsylvania 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.