Anchor Loans for California investors
Anchor Loans is one of the oldest national hard money lenders. Long track record across multiple market cycles.
California context
California DSCR economics tight in coastal markets but workable in Central Valley. AB1482 statewide rent control caps annual rent increases. Tight STR rules in many cities.
How Anchor Loans positions in California
The California lender pool for DSCR includes Anchor Loans among the active platforms. California top metros (Los Angeles, San Francisco, San Diego) see meaningful Anchor Loans loan volume.
City-level coverage in California
Anchor Loans provides DSCR coverage across California metros including Los Angeles, San Francisco, and San Diego. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Anchor Loans program terms apply uniformly across California metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge |
| Loan size | $100K - $5.0M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 6-24 months |
| Typical close time | 10-21 days typical |
| California property tax | 0.7% |
| California state income tax | 13.3% |
Anchor Loans strengths in California
- oldest national hard money lender
- experienced underwriting
- high-volume capacity
Ideal borrower: Experienced investor with track record
FAQ
Yes, operates nationally including California. Anchor Loans is based in Calabasas, CA and operates nationally.
Los Angeles is the top investor market in California and falls within Anchor Loans national coverage. Los Angeles property tax follows the California state rate of 0.7 percent. Anchor Loans typically underwrites Los Angeles acquisitions at standard rate sheets.
Yes. San Francisco ranks among the larger California investor metros and sees consistent DSCR loan volume from Anchor Loans. Submarket variation within San Francisco matters for property selection.
Anchor Loans applies the same rate sheet across California metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Los Angeles, San Francisco, and San Diego all qualify for the same Anchor Loans program.
Anchor Loans indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
California DSCR economics tight in coastal markets but workable in Central Valley. AB1482 statewide rent control caps annual rent increases. Tight STR rules in many cities. Anchor Loans follows standard business-purpose loan structures.
Anchor Loans funds fix-and-flip, BRRRR, rental, bridge in California.
California has some restrictions on prepayment penalty structures; Anchor Loans typically uses 3-5 year step down.
Anchor Loans typical close: 10-21 days typical.
Bottom line
Anchor Loans in California works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Anchor Loans.