Requirements
Anchor Loans lending requirements
The published qualifying criteria for Anchor Loans — the thresholds a deal is screened against before anything else about it matters. Verified Sep 17, 2026.
Minimum credit score
620
Anchor Loans sets its credit floor at 620. A borrower scoring below that is not eligible for this program, independent of how the property itself cash-flows.
Maximum leverage
80% LTV / 90% LTC
Maximum loan-to-value is 80% of the property's appraised value — the borrower brings at least 20% of value in cash or equity. Maximum loan-to-cost is 90% of total project cost — purchase price plus rehab budget. That is the binding number on a value-add deal where the finished value will exceed the purchase price, since an LTV cap alone would understate what Anchor Loans will actually lend against the project.
Loan size
$100,000 – $5,000,000
Loan sizes run from $100,000 to $5,000,000. A deal outside that band, in either direction, is outside Anchor Loans's box regardless of credit score or DSCR.
Reading these thresholds together
Anchor Loans publishes 3 of the 7 criteria categories this directory tracks (credit score, DSCR, leverage, loan size, entity requirement, origination channel, and state coverage). Any category not shown above is not publicly disclosed by Anchor Loans as of Sep 17, 2026 — treat an absent category as unknown, not as "no requirement."
None of these thresholds are guarantees. A deal that clears every published floor still goes through underwriting on the specific property, borrower history, and documentation and entity structure . These are the gates a deal has to clear before that review even starts.