Frequently Asked Questions
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Getting Started
What information do I need to get started?
Be ready with the property address, purchase price or current payoff, rent roll, and a brief overview of the project’s exit strategy. Preparation signals execution discipline and allows us to provide a high-level review of the deal within 24 business hours.
How does the process work?
The process begins with a strategic review of the asset and your timeline. If the deal aligns with our risk standards, we issue a term sheet and move immediately into third-party reports (appraisal/environmental) and legal coordination to hit your closing deadline.
What happens after I submit my deal?
You will receive direct, honest feedback from a capital partner. If a deal is not a fit, we tell you early so you can protect your capital and find a viable alternative. If it is a fit, we move quickly to architect the capital stack.
Speed & Timing
How quickly can funding occur?
While speed is earned through asset clarity and documentation readiness, we specialize in 5–14 business day closings for time-sensitive bridge and acquisition deals. We prioritize certainty of execution when timing is the primary risk.
What factors affect timeline?
The primary variables are the speed of third-party reports, title clarity, and borrower responsiveness. We provide the decisiveness needed to keep the deal moving, but execution is a collaborative effort between the sponsor and the lender.
When is Anchor the right fit for a time-sensitive deal?
We are the right fit when a traditional bank’s committee process is too slow for the market’s reality. This includes foreclosure auctions, REO acquisitions, or maturing debt where momentum must be protected at all costs.
Does Anchor provide funding for foreclosure bailouts?
Yes. We provide rapid bridge capital for foreclosure bailouts, allowing sponsors to retire maturing debt, stop legal proceedings, and protect their equity while they execute a stabilization or exit plan. We understand the urgency of these situations and prioritize execution to meet legal deadlines.
Loan Types & Deal Scope
What types of properties do you finance?
Our core focus is on traditional assets including Multifamily, Mixed-Use, Industrial/Warehouse, and NNN Retail. We also provide specialized financing for high-complexity sectors like Hotels, Medical Office, Data Centers, Cannabis facilities, and Entitled Land.
What loan products do you offer?
We offer a full-stack suite including Bridge Loans, DSCR Rental Loans, Ground-up New Construction, and specialty solutions like DIP (Debtor-in-Possession) and Condo Inventory equity recapture loans.
What deal sizes do you typically work with?
We focus on professional-grade transactions starting at $250,000, with the capacity to structure complex transactions and multi-layered capital stacks exceeding $100M.
"Can you fund HOA/Condo Associations?"
Yes. we provide unsecured, assessment-backed capital for critical structural and capital improvements.
Credit, Documentation & Requirements
Do you require tax returns?
For our asset-based Bridge and DSCR programs, we typically require limited or no personal tax returns. Our underwriting focuses on the property’s cash flow and the project’s stabilized potential rather than personal debt-to-income ratios.
What credit score is needed?
There is no single “minimum” score. We evaluate credit in the context of the asset, the leverage, and the exit strategy. A strong project with a clear path to stabilization can often offset a weaker personal credit profile.
What documentation is typically required?
At a minimum, we require a detailed rent roll, a schedule of real estate owned (SREO), a purchase contract or payoff statement, and a clear business plan for the asset’s repositioning or stabilization.
Structure & Fit
Do you work with first-time investors?
Yes. We have dedicated inclusion programs for first-time commercial investors and foreign nationals (ITIN/Passport). These programs utilize asset-based underwriting to help serious newcomers enter the professional real estate market.
What types of deals are not a good fit?
Speculative land deals without entitlements, primary residences, and projects with no clear exit strategy or significantly misaligned timelines are typically not a fit for our model.
How do you approach deal structure?
We architect the capital stack to align with the asset and the exit. By focusing on stabilized Debt Yield and pro-forma DSCR, we ensure your bridge capital has a clear and realistic path to permanent 30-year financing.
Can you fund the purchase of a commercial property at a foreclosure auction?
Yes. We specialize in providing the speed and certainty of execution required for commercial foreclosure auction acquisitions. We provide the proof of funds and accelerated underwriting needed to close within the strict timelines of the auction process.