A&D Mortgage Review 2026: DSCR, Bank Statement, ITIN and Second Lien Programs
By Greg Wilson, commercial loan broker and publisher of Lender Tribune · Last verified November 3, 2026
About A&D Mortgage
A&D Mortgage has about 20 years in the industry, is licensed in 49 states and works with more than 10,000 partner brokerages. It ranks among broker-voted top wholesale lenders and promises 30-minute responses to partner requests.
Because A&D is wholesale, you apply through a licensed broker. Unlike most lenders in this directory, A&D also makes consumer (owner-occupied) loans, not only business-purpose loans.
A&D Mortgage loan programs at a glance
| Program | Loan size | Leverage / requirements | Term | Pricing and notes |
|---|---|---|---|---|
| DSCR | Not published | Up to 80% CLTV; 620 min FICO | 30-year and IO options | No income documentation; qualifies on rent |
| Bank statement (12/24 month) | Not published | Up to 90% CLTV; 620 FICO or no score | 30-year | For self-employed borrowers |
| Second mortgage | Up to $750K | Up to 90% CLTV; 680 or no score | Closed-end | Keeps an existing low first-lien rate |
| ITIN | Up to $1.5M | Up to 80% CLTV; 660 FICO | 30-year | For borrowers without an SSN |
| AD Power Jumbo | Up to $5M | Up to 89.99% CLTV; 660 FICO | 30-year | Non-QM jumbo |
From admortgage.com, checked November 3, 2026. Program PDFs on file also show a foreign national DSCR program (up to 75% CLTV) and DSCR down to 0.0x coverage with a 680 FICO.
Who A&D Mortgage fits best
- Self-employed borrowers whose tax returns understate income
- Rental investors who want a 30-year loan without income docs
- Owners who want cash out without refinancing a low-rate first mortgage
What to check before you apply
- Wholesale only. Pricing depends on the broker you use.
- Non-QM rates run above agency loans.
- Foreign national terms are on file but not on the public site, so confirm availability.
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Frequently asked questions
Can I apply with A&D Mortgage directly?
A&D works through mortgage brokers and partner lenders. You apply through a broker approved with A&D.
What is the minimum credit score for an A&D DSCR loan?
A&D lists a 620 minimum FICO for DSCR loans, up to 80% CLTV.
Does A&D offer second liens on investment property?
A&D offers closed-end second mortgages up to $750,000 and 90% CLTV. Ask your broker about occupancy rules.
Sources
- A&D Mortgage homepage (checked November 3, 2026)
- Lender program materials on file with Lender Tribune, as dated in the table note above
