A&D Mortgage for Texas 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.
Texas context
Texas no state income tax. Property tax burden among highest in nation. Strong investor activity statewide. Houston no zoning unique. Hurricane consideration on Gulf Coast.
How A&D Mortgage positions in Texas
The Texas lender pool for DSCR includes A&D Mortgage among the active platforms. Texas top metros (Houston, Dallas-Fort Worth, Austin) see meaningful A&D Mortgage loan volume.
City-level coverage in Texas
A&D Mortgage provides DSCR coverage across Texas metros including Houston, Dallas-Fort Worth, and Austin. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. A&D Mortgage program terms apply uniformly across Texas 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 |
| Texas property tax | 1.9% |
| Texas state income tax | None |
A&D Mortgage strengths in Texas
- 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 Texas coverage. A&D Mortgage is based in an undisclosed location and operates in states not publicly disclosed.
Houston is the top investor market in Texas and is generally within A&D Mortgage states not publicly disclosed footprint. Houston property tax follows the Texas state rate of 1.9 percent. A&D Mortgage typically underwrites Houston acquisitions at standard rate sheets.
Yes. Dallas-Fort Worth ranks among the larger Texas investor metros and sees consistent DSCR loan volume from A&D Mortgage. Submarket variation within Dallas-Fort Worth matters for property selection.
A&D Mortgage applies the same rate sheet across Texas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Houston, Dallas-Fort Worth, and Austin 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.
Texas no state income tax. Property tax burden among highest in nation. Strong investor activity statewide. Houston no zoning unique. Hurricane consideration on Gulf Coast. A&D Mortgage follows standard business-purpose loan structures.
A&D Mortgage funds rental DSCR in Texas.
Texas 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
Texas 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.