Episode Title: Compare the Loan, Not the Percentage: What LTC Doesn't Tell You
Episode Description:
Most investors compare lenders the same way: whoever quotes the highest LTC wins. But that's often the wrong comparison. In this episode, Anchor's team breaks down why a lower loan-to-cost percentage can put the same amount of capital, or more, in an investor's hands than a higher one, depending on what's actually built into the loan structure. We get into how interest reserves, fees, and loan amount calculations change the real numbers, why this gets missed in broker conversations, and the better question every investor should be asking before they sign.
In This Episode:
- Why comparing LTC percentages alone can be misleading
- How a lower percentage loan can produce the same, or more, usable capital
- What actually goes into calculating a loan amount beyond the headline number
- Why the higher percentage is easier for brokers to sell, even when it's not the better deal
- The real question investors should ask before ranking loan offers: how much money will I actually have to complete my project?
Call to Action:
Want to see how your next deal actually breaks down? Connect with an Anchor loan officer to compare the full loan structure, not just the percentage. anchorloans.com/contact
What is Constructive Thinking ?
Anchor Loans is the nation’s leading private lender for real estate investors, builders, and institutions. Since 1998, we’ve funded projects nationwide — from fix-and-flip financing and ground-up construction loans to build-to-rent strategies, DSCR rental loans, and institutional capital solutions like land banking and large-scale developments.
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✅ Get market insights and strategies from lending experts