Renovation & Fix-and-Flip Loans for Experienced Real Estate Investors
Private capital financing for residential acquisition and renovation projects, structured to help you execute with confidence from purchase through resale.
30-day free trial
Peronalized onboarding
Access to all features
Loan Volume
$22 Billion
Loans Funded
37,000+
Founded in
1998
Repeat Borrowers
85%
Homes Constructed
53,000+
Lending in
48 States
Why Investors and Real Estate Professionals Choose Anchor Loans for Renovation & Fix-and-Flip Financing
Builders and investors choose Anchor Loans because we understand the execution demands of residential renovation projects. From underwriting after-repair value (ARV) to structuring rehab budgets, we provide specialized fix-and-flip financing solutions designed for experienced operators.
Renovation-Focused Underwriting
Asset-based lending aligned with ARV, scope of work, and resale strategy.
Dedicated Renovation Lending Teams
Specialized professionals who understand acquisition, rehab budgeting, and resale timelines.
Structured Draw Funding
Milestone-based disbursements designed to support disciplined renovation execution.
Reliable Institutional Capital
Private direct lender backed by a long-term institutional platform.
Anchor Loans is one of the nation’s largest private direct lenders, providing first-lien bridge financing solutions to experienced real estate investors nationwide.
Talk to a Renovation Lending Specialist
Reach out to get your next deal started today.
SFR
1 to 4 units
Loan to Cost
Up to 85%
Terms
12 to 18 months
Origination Points
1 to 2
Max Loan Amounts
Up to $20M
Rates
9.25% to 12.25%
Loan terms vary by project, borrower experience, and market.
Recently Funded Renovation and Fix and Flip Deals
Anchor Loans actively finances residential renovation and fix-and-flip investments across diverse U.S. markets. Below are examples of recently completed value-add projects funded through our bridge lending program.
$2.5M
Atlanta, GA
Fix and Flip
Single Family
$4.2M
Boca Raton, FL
Fix and Flip
Single Family
$2.1M
Hendersonville, NV
Fix and Flip
Single Family
$900K
Lake Forest, CA
Fix and Flip
Single Family
$9.4M
Nashville, TN
Fix and Flip
Single Family
$11.8M
Beverly Hills, CA
Fix and Flip
Single Family
What We Evaluate for Fix and Flip/Renovation Loan Approval
Experience
Easy pre-approval for investors with 3 or more successful flips in the last 12 months. Lifetime fix-and-flip experience also considered.
Project Details
Submit your project's purchase price, rehab costs, scope of work and estimated value of the property after repairs to receive a customized quote within 24-48 hours.
Down Payment
Depending on investor experience and the property, down payment requirements will vary.
Your FICO
Minimum 620 required, but having good credit has its perks.
Anchor Loans is a well-oiled machine. My loans are always processed quickly, so that I can compete in the marketplace with cash investors. The account executives are polished and professional. They are definitely my "go to" lender.
Arlett H.
Real Estate Investor
Best in the Biz! I’ve worked with Anchor for dozens of loans and I’ve always had a smooth and easy transaction. Not only that, their competitive terms and rates are nearly impossible to beat. 10/10.
Jesse B.
Real Estate Investor
Support
Renovation & Fix-and-Flip Loan FAQs
What is a renovation or fix-and-flip loan?
A renovation loan is a short-term bridge financing solution used by experienced real estate investors to purchase, improve, and resell residential properties. It typically includes both acquisition financing and renovation funding.
What types of properties qualify for fix-and-flip financing?
Anchor Loans finances non-owner-occupied 1–4 unit residential properties intended for renovation and resale.
How are renovation funds disbursed?
Renovation funds are released through a structured draw process based on completed work milestones and approved scope.
How long are renovation loans?
Loan terms typically extend up to 18 months, depending on borrower qualifications and project scope.
What is ARV in fix-and-flip lending?
ARV (After-Repair Value) is the projected market value of the property after renovations are completed.
How do I start a renovation loan application?
You can apply online or connect directly with a renovation lending specialist to review your project and financing structure.
What is the difference between a bridge loan and a renovation loan?
A renovation loan is a type of short-term bridge loan specifically structured to finance both the acquisition and rehabilitation of a residential investment property. In fix-and-flip lending, bridge financing provides temporary capital that supports property purchase, renovation execution, and resale within a defined loan term.
How is Loan-to-Cost (LTC) calculated for a fix-and-flip loan?
Loan-to-Cost (LTC) is calculated by dividing the total loan amount by the combined acquisition price and renovation budget. For example, if a property purchase and renovation total $500,000 and the loan amount is $450,000, the LTC would be 90%. Maximum leverage is based on borrower experience, project scope, and market review.
Can I have multiple fix-and-flip loans at the same time?
Experienced real estate investors may qualify for multiple renovation or fix-and-flip loans simultaneously, depending on liquidity, project performance, and overall portfolio risk. Anchor Loans evaluates the full borrower profile to determine eligibility for scalable financing solutions.
Ready to Start Your Loan Application?
Submit your next deal today.