A&D Mortgage · Lender
A&D Mortgage
Review published mortgage options and requirements, then request a personalized quote from the lender.
At a glance
- Property use
- Investment property
- Credit requirement
- No Score or FICO 660
- Reserves
- 12 months of reserves required
Still to confirm: Borrower type.
Our take: Pros & Cons
What we like
- Foreign National DSCR program for U.S. investment property purchase or refinance
- Overseas assets allowed as reserves under the Foreign National DSCR program
What to consider
- Foreign National DSCR terms apply to investment properties; do not apply them to other programs
- No numeric advertised rate example was confirmed on the cited program page
AI-generated lender-level assessment based on published information. Not a verified assessment of Foreign National DSCR; confirm program-specific conditions below.
Newcomer requirements
Foreign National DSCR
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum credit score
- No Score or FICO 660
- Income documentation
- no US credit score, no US income documentation, and no tax returns required.
- Foreign assets
- Overseas assets allowed as reserves
- Reserves
- 12 months of reserves required
- Property restrictions
- Eligible property types: SFR, townhomes, condo warrantable/non-warrantable (limited review), condotel, 2-4 units, PUD, SFR rural, short-term rentals, leasehold
- Occupancy
- Investment property
View full lender requirements
- Minimum credit score
- No Score or FICO 660
- Income documentation
- no US credit score, no US income documentation, and no tax returns required.
- Foreign assets
- Overseas assets allowed as reserves
- Reserves
- 12 months of reserves required
- Property restrictions
- Eligible property types: SFR, townhomes, condo warrantable/non-warrantable (limited review), condotel, 2-4 units, PUD, SFR rural, short-term rentals, leasehold
- Occupancy
- Investment property
- Other conditions
- Loan amounts up to $3 million Cash-out allowed DSCR < 1 requires min FICO 680 or no FICO Up to 75% СLTV purchase / Up to 70% СLTV cash-out For I/O, Min. FICO 680 or no FICO First-time homebuyers allowed Investment properties Cash-in-hand: No limitation for CLTV <55% & min FICO 680; $1,000,000 for CLTV from 55% to 65% or CLTV>65 & min FICO 700 or CLTV <=55 & FICO <680; $500,000 for CLTV >65% & FICO <700 DSCR = Gross Income / Proposed PITIA. Borrower income is not required. Any property within the past 36 months required 12 months of reserves required Gift funds allowed (borrower contribution required — 10%) for down payment, closing cost, and reserves Mortgage history: 0x30x12 and 0x90x24 48 months out of credit event Eligible property types: SFR, townhomes, condo warrantable/non-warrantable (limited review), condotel, 2-4 units, PUD, SFR rural, short-term rentals, leasehold Various fixed terms, 5/6 & 7/6 ARM terms 120 months of I/O period, 240/360 months of amortization, qualified at amortized PITIA payment after I/O period Eligible citizenship: Foreign National Eligible borrowers: Individuals, LLCs/Corp without a hit
Questions to confirm with the lender (10)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum down payment
- Employment documentation
- Foreign income
- State restrictions
Requirements last reviewed: Oct 24, 2026 · Official requirements source
Rates and costs
Foreign National DSCR
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Foreign National DSCR
- no US credit score, no US income documentation, and no tax returns required.
- Reserve requirements: 12 months of reserves required
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
A&D Mortgage offers mortgage programs through wholesale partners, including Foreign National DSCR financing for non-residents purchasing or refinancing U.S. investment property. Requirements and pricing vary by program.
Legal lender: A&D Mortgage LLC
Lending channel: Through mortgage brokers, Correspondent lending
Provider type: Mortgage company
Lending channels: Through mortgage brokers, Correspondent lending. Origination status: Not stated.
NMLS identifier: 958660
Directory verified: 2026-10-24 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 24, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.