A&D Mortgage for Utah 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.
Utah context
Utah low property tax. Strong job growth. Ski STR (Park City) and southern Utah STR (St. George/Zion).
How A&D Mortgage positions in Utah
For Utah specifically, A&D Mortgage fits investors who match the hard money approach. The medium cash flow profile of Utah aggregate makes it workable for A&D Mortgage.
City-level coverage in Utah
A&D Mortgage provides DSCR coverage across Utah metros including Salt Lake City, Provo, and St. George. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. A&D Mortgage program terms apply uniformly across Utah 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 |
| Utah property tax | 0.6% |
| Utah state income tax | 4.85% |
A&D Mortgage strengths in Utah
- 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 Utah coverage. A&D Mortgage is based in an undisclosed location and operates in states not publicly disclosed.
Salt Lake City is the top investor market in Utah and is generally within A&D Mortgage states not publicly disclosed footprint. Salt Lake City property tax follows the Utah state rate of 0.6 percent. A&D Mortgage typically underwrites Salt Lake City acquisitions at standard rate sheets.
Yes. Provo ranks among the larger Utah investor metros and sees consistent DSCR loan volume from A&D Mortgage. Submarket variation within Provo matters for property selection.
A&D Mortgage applies the same rate sheet across Utah metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Salt Lake City, Provo, and St. George 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.
Utah low property tax. Strong job growth. Ski STR (Park City) and southern Utah STR (St. George/Zion). A&D Mortgage follows standard business-purpose loan structures.
A&D Mortgage funds rental DSCR in Utah.
Utah 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
Utah 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.