RTL Fix-and-Flip & Bridge Lender · CA CFL & Nationwide RTL Construction Shelf

Anchor Loans — 2026 Credit Box, DSCR Rates & Underwriting Guidelines

Anchor Loans has funded over $15B+ in residential transition loans (RTL), heavy value-add fix-and-flip, and infill ground-up construction facilities across major U.S. metros.

2026 Rate Band
7.990% – 10.250%
Max Purchase LTV
85% – 90% LTC (100% Rehab)
Max Cash-Out LTV
70% Bridge Refi
Min DSCR / FICO
N/A (Asset-Based ARV Bridge) · 640+
Wholesale Credit-Box Comparison · Loan Daddy LLC (NMLS #2827624)

Shop Anchor Loans Against 45+ Wholesale DSCR & Bridge Shelves

Submit one scenario to Stephen R. Mannenbach, J.D., MBA (NMLS #2549621) at Loan Daddy LLC to benchmark Anchor Loans against 45+ institutional wholesale DSCR, Non-QM, and RTL bridge lenders with a single soft credit pull.

Anchor Loans — Institutional Underwriting Matrix

Headquarters & FootprintThousand Oaks, CA
Loan Amount Range$150,000 – $10,000,000
Typical Closing Window7 – 12 Business Days
Prepayment Penalty OptionsZero Prepayment Penalty (Bridge)
Eligible Entity VestingLLC, LP, Corporation
Core Program Specialties
  • High-Leverage RTL Fix & Flip
  • Luxury Infill Ground-Up Construction
  • 48-Hour Rehab Draw Inspections

Compare Other Verified Institutional Lenders

Browse Active States & Programs on California Private Money Loan — Fast-Close Bridge, ADU Value-Add & Coastal Fix-and-Flip Financing

Anchor Loans — 2026 DSCR, LTV & Credit-Box Review | California Private Money Loan — Fast-Close Bridge, ADU Value-Add & Coastal Fix-and-Flip Financing