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
- Min FICO 700 and up to 70% CLTV for DSCR
- Reserves
- As little as 3 months of reserves
Still to confirm: Borrower type.
Our take: Pros & Cons
What we like
- Uses an ITIN instead of an SSN for eligible borrowers.
- Primary residence, second home and investment pathways are advertised.
What to consider
- Access through an approved mortgage broker; this is not a direct online approval.
- Published program lists a minimum 660 FICO and up to 80% CLTV; confirm the applicable program.
- Eligibility depends on documentation, property location and full underwriting. No approval is guaranteed.
AI-generated lender-level assessment based on published information. Not a verified assessment of ITIN — DSCR — Investment property; confirm program-specific conditions below.
Additional lender considerations
- No live interest rate, APR or fee quote is supplied here. Obtain a personalized Loan Estimate.
Newcomer requirements
ITIN — DSCR — Investment property
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- SSN
- Not required — confirmed
- ITIN
- Accepted. Published conditions apply. Read the full lender requirements below before applying.
- Minimum credit score
- Min FICO 700 and up to 70% CLTV for DSCR
- Income documentation
- A valid ITIN card or IRS ITIN letter and an unexpired government photo ID required
- Reserves
- As little as 3 months of reserves
- Property restrictions
- Eligible property types: SFR, townhomes, condo warrantable/non-warrantable, condotels, 2-4 units, PUD, short-term rentals, SFR rural, leasehold
- Occupancy
- Investment property
View full lender requirements
- SSN
- Not required — confirmed
- ITIN
- Min FICO 660 and up to 80% CLTV for Super Prime DTI up to 50% Loan amounts up to $1.5 million 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 All income types for Super Prime, no income or employment verification for DSCR Min FICO 660, up to 80% CLTV & 1st Lien only for OO FTHB FICO 660+ (income) Min. FICO 680 & FTHB not allowed for I/O A valid ITIN card and government-issued ID or an IRS ITIN letter with a government-issued ID As little as 3 months of reserves required Primary, second home, investment Gift funds are allowed, the borrower must contribute at least 5% from their own funds on primary and second home and at least 10% on investment. Gift funds are not allowed for CLTV above 80% on investment property Mortgage history: 0x30x12 and 0x90x24 48 months from bankruptcy or foreclosure Eligible property types: SFR, townhomes, condo warrantable/non-warrantable, condotels, 2-4 units, PUD, short-term rentals, SFR rural, 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: ITIN Eligible borrowers: Individuals, LLCs/Corp without a hit
- Minimum credit score
- Min FICO 700 and up to 70% CLTV for DSCR
- Income documentation
- A valid ITIN card or IRS ITIN letter and an unexpired government photo ID required
- Reserves
- As little as 3 months of reserves
- Property restrictions
- Eligible property types: SFR, townhomes, condo warrantable/non-warrantable, condotels, 2-4 units, PUD, short-term rentals, SFR rural, leasehold
- Occupancy
- Investment property
- Other conditions
- Min FICO 660 and up to 80% CLTV for Super Prime DTI up to 50% Loan amounts up to $1.5 million 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 All income types for Super Prime, no income or employment verification for DSCR Min FICO 660, up to 80% CLTV & 1st Lien only for OO FTHB FICO 660+ (income) Min. FICO 680 & FTHB not allowed for I/O A valid ITIN card and government-issued ID or an IRS ITIN letter with a government-issued ID As little as 3 months of reserves required Primary, second home, investment Gift funds are allowed, the borrower must contribute at least 5% from their own funds on primary and second home and at least 10% on investment. Gift funds are not allowed for CLTV above 80% on investment property Mortgage history: 0x30x12 and 0x90x24 48 months from bankruptcy or foreclosure Eligible property types: SFR, townhomes, condo warrantable/non-warrantable, condotels, 2-4 units, PUD, short-term rentals, SFR rural, 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: ITIN Eligible borrowers: Individuals, LLCs/Corp without a hit
Questions to confirm with the lender (9)
These requirements have not been verified for this program:
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum down payment
- Employment documentation
- Foreign income
- Foreign assets
- State restrictions
Requirements last reviewed: Oct 24, 2026 · Official requirements source
Rates and costs
ITIN — DSCR — Investment property
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
ITIN — DSCR — Investment property
- A valid ITIN card or IRS ITIN letter and an unexpired government photo ID required
- Reserve requirements: As little as 3 months of reserves
- 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
Broker-arranged home financing for qualified borrowers using an ITIN instead of an SSN. Credit, income, property and lender underwriting requirements apply.
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.