A&D Mortgage: DSCR loans for short-term rentals
What A&D Mortgage publishes about financing Airbnb and vacation rentals. Checked 2026-10-18. Lender website ↗
Published STR loan terms
- How STR income is counted
- Not published: Finances STRs, but the lender does not publish how it counts STR income.
- Details
- Lists 'Short-term rentals up to 80% CLTV' on its DSCR program. Income method not published on pages checked.
- Minimum credit score
- 620
- Minimum DSCR
- Not published
- DSCR below 1.0 allowed
- Yes
- No-ratio option
- Not published
- Max LTV (purchase)
- 80%
- Max LTV (cash-out refi)
- Not published
- Minimum loan
- Not published
- Maximum loan
- $3M
- Prepayment options
- Up to 5 years
- States served
- Not itemized
- First-time investors
- Yes
- Channel
- Wholesale / correspondent
Notes: DSCR below 1 requires 680 FICO (or no FICO) and excludes condos/condotels. First-time homebuyers allowed up to 70% CLTV. Broker/partner channel.
Sources
- https://admortgage.com/programs/dscr/ (checked 2026-10-18)
- https://admortgage.com/programs/non-qm-loans/ (checked 2026-10-18)
- https://admortgage.com/ (checked 2026-10-18)
"Not published" means we did not find the figure on the pages above. It does not mean the lender lacks a policy. Ask the lender.
Does it serve your state?
- Florida: Not itemized by lender
- Texas: Not itemized by lender
- Georgia: Not itemized by lender
- Tennessee: Not itemized by lender
- North Carolina: Not itemized by lender
- Arizona: Not itemized by lender
- California: Not itemized by lender
Check a deal against A&D Mortgage
Run your numbers in the DSCR calculator. It shows which lenders' published minimums your deal clears.
Similar lenders (Not published)
Not lending advice. Not a broker. STR Lender Watch is an independent research site. We do not make loans, arrange loans, take applications, or recommend any lender. Figures are summarized from each lender's own public pages on the date shown and can change without notice. Rate figures are estimates, not quotes. Talk to a licensed loan officer and your own advisors before making decisions.