I am trying to find the MGF of a random vector where $Z_i\overset{iid}\sim N(0,1)$
the new Random Vector is $X\overset{d}=\mu+AZ$ where $\mu\in\mathbb{R^k}$ and $A\in\mathbb{R}^{k\times m}$
where $A$ is not assumed to be full rank. I know that this will be a normal but I was considering what the variance of this random variable would be. I know that if $A$ is orthonormal then independence follows where $A$ is assumed to be a square matrix. If the Matrix $A$ is not a square matrix then if I assume $\text{rank}(A)=m$ then I know that the $\text{rank}(A^T)=m$ and the variance of $X$ is $AA^T$. If I consider whether $AA^T$ is positive definite that is $y^{T}AA^Ty=0$ then $y=0$. I can show that $A^Ty=0$ by using the euclidean norm but since $\text{rank}(A^T)=m$ then $y$ does not have to be $0$ if $k>m$. I can't see a scenario where this is not a degenerate random vector when $A$ is not square of full rank. Am I missing something? How do I go about solving for the MGF in general case without imposing assumptions?