A&D Mortgage for Washington 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.
Washington context
Washington no state income tax (helps DSCR cash flow). Seattle tenant protections. Spokane more affordable.
How A&D Mortgage positions in Washington
For Washington specifically, A&D Mortgage fits investors who match the hard money approach. The medium cash flow profile of Washington aggregate makes it workable for A&D Mortgage.
City-level coverage in Washington
A&D Mortgage provides DSCR coverage across Washington metros including Seattle, Spokane, and Tacoma. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. A&D Mortgage program terms apply uniformly across Washington 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 |
| Washington property tax | 1% |
| Washington state income tax | None |
A&D Mortgage strengths in Washington
- 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 Washington coverage. A&D Mortgage is based in an undisclosed location and operates in states not publicly disclosed.
Seattle is the top investor market in Washington and is generally within A&D Mortgage states not publicly disclosed footprint. Seattle property tax follows the Washington state rate of 1 percent. A&D Mortgage typically underwrites Seattle acquisitions at standard rate sheets.
Yes. Spokane ranks among the larger Washington investor metros and sees consistent DSCR loan volume from A&D Mortgage. Submarket variation within Spokane matters for property selection.
A&D Mortgage applies the same rate sheet across Washington metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Seattle, Spokane, and Tacoma 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.
Washington no state income tax (helps DSCR cash flow). Seattle tenant protections. Spokane more affordable. A&D Mortgage follows standard business-purpose loan structures.
A&D Mortgage funds rental DSCR in Washington.
Washington 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 Washington 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.