Anchor Loans for Florida investors
Anchor Loans is one of the oldest national hard money lenders. Long track record across multiple market cycles.
Florida context
Florida no state income tax. Strong investor activity statewide. Hurricane insurance is material cost. STR market huge — Orlando area, Florida Keys, panhandle beaches.
How Anchor Loans positions in Florida
For Florida specifically, Anchor Loans fits investors who match the hard money approach. The medium cash flow profile of Florida aggregate makes it workable for Anchor Loans.
City-level coverage in Florida
Anchor Loans provides DSCR coverage across Florida metros including Miami, Tampa, and Orlando. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Anchor Loans program terms apply uniformly across Florida 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 |
| Florida property tax | 0.9% |
| Florida state income tax | None |
Anchor Loans strengths in Florida
- oldest national hard money lender
- experienced underwriting
- high-volume capacity
Ideal borrower: Experienced investor with track record
FAQ
Yes, operates nationally including Florida. Anchor Loans is based in Calabasas, CA and operates nationally.
Miami is the top investor market in Florida and falls within Anchor Loans national coverage. Miami property tax follows the Florida state rate of 0.9 percent. Anchor Loans typically underwrites Miami acquisitions at standard rate sheets.
Yes. Tampa ranks among the larger Florida investor metros and sees consistent DSCR loan volume from Anchor Loans. Submarket variation within Tampa matters for property selection.
Anchor Loans applies the same rate sheet across Florida metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Miami, Tampa, and Orlando 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.
Florida no state income tax. Strong investor activity statewide. Hurricane insurance is material cost. STR market huge — Orlando area, Florida Keys, panhandle beaches. Anchor Loans follows standard business-purpose loan structures.
Anchor Loans funds fix-and-flip, BRRRR, rental, bridge in Florida.
Florida allows standard DSCR prepay structures; Anchor Loans typically uses 3-5 year step down.
Anchor Loans typical close: 10-21 days typical.
Bottom line
Florida investors considering Anchor Loans should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Anchor Loans.