Direct Lender for Residential Real Estate Investors

Bridge Loans | Purchase & Fix and Flip Rehab Loans | Fix to Rent Rehab Loans | Ground-Up Construction | 30-Year Rental Loans | Short-Term Vacation Rental Loans | Advanced Rehab Draws Available | Nationwide Lender | Single-Family Residential Lending

Temple View Capital Funding, LP (“Temple View”) is a national private portfolio lender that delivers flexible financing options for residential real estate investors. Our team has decades of combined experience in the investment space to stay at the forefront of innovative product development and empower real estate investors, correspondent lenders, and brokers nationwide to optimize financing efficiency on projects, rehabs, refis, and rental properties of all shapes and sizes. Temple View is the only lender to offer Advance Rehab Draws as a benefit to borrowers.

Temple View leverages its extensive experience investing in rehabbing properties to provide real estate investor financing with simplicity, transparency, and efficiency at the core of its daily business operations. We take a common-sense approach to lending. Our underwriting process focuses on asset value and investor experience in demographically attractive suburban and urban in-fill markets across the country that are underserved by traditional construction and real estate lenders.

Temple View has years of industry experience and a proven track record of success when it comes to developing creative and effective real estate investment funding strategies. Temple View offers a comprehensive suite of funding products including fix-and-flip, fix-and-hold, long-term rental investments, short-term vacation rentals, ground-up construction, and bridge loans. We adjust our products accordingly to ensure the long-term sustainability of our client’s projects and portfolios.

Temple View utilizes its in-house underwriting and tech-savvy portal-based draw management system to deliver unparalleled client-centered focus in what has been a challenging time for lenders everywhere.

We are able to provide our real estate investor clients the opportunity to avoid the high-interest rates and points, lengthy underwriting timelines, and overly-strict lending requirements typically associated with traditional investor lending.

  • Purchase transactions
  • No red tape, No income, No tax returns, and No reserves (for RTL products only)
  • No asset verification (*restrictions apply)
  • Advanced Rehab Draws Available
  • No seasoning of funds needed prior to loan closing
  • No monthly payments
  • Escrow payments
  • Interest only payments
  • Short-term vacation rental property financing available
  • Flexible terms, competitive rates, and fast closing

Please note: We do NOT offer loans for raw land or owner-occupied homes.

Property Geographic Area Details
Nationwide except DE, ND, SD, VT
Loan Amounts
$75,000 to $4,000,000
Interest Rates
7.50% to 12.5%
Loan Terms
6 months to 24 months
Origination Fees
1.25% to 5%
Lien Position
1st
Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Maximum Leverage

Purchase Long-Term
Max LTP Residential: 80%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 80%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 75%
Refinance Long-Term
Max LTV Residential: 80%
Residential Fix & Flip
Max LTP: 90%
Max LTC: 90%
Max LTARV: 75%
Residential Rehab & Hold
Max LTP: 90%
Max LTC: 90%
Max LTARV: 75%
Residential Construction
Max LTP Land: 75%
Max LTC: 90%
Max LTCV: 75%

Purchase & Refinance Rehab Loans

  • Property Types: 1-4 Single-Family Homes, Condos, and Townhomes
  • Loan Amounts: $75,000 to $4,000,000
  • LTV Up to: 90%
  • Up To 90% Acquisition LTV; Up To 100% LTV Rehab Budget
  • Rates starting at: 9.5%
  • Loan Term: Up to 24 months
  • Loan Type: Purchase Transactions
  • Borrower Entity: LLCs, LPs and Corporations only
  • No income, No tax returns, and No reserves
  • No asset verification (*restrictions apply)
  • Advanced Rehab Draws Available
  • 600 Minimum FICO Score
  • 24 Hrs Online Access to Draw Management
  • No Monthly Payments- Monthly Payments Rolled Into the Loan

Purchase Bridge Loans

Simple bridge loan to acquire investment properties. No Red Tape, No Income, No Reserves.

  • Property Types: 1-4 Single-Family Homes, Condos, and Townhomes
  • Loan Amounts: $75,000 to $4,000,000
  • Rates Starting at: 9.5%
  • LTV: Up to 80%
  • Loan Term: Up to 24 months
  • Loan Type: Purchase Transactions
  • No Pre-Payment Penalty
  • Escrow Payments
  • 600 Minimum FICO Score
  • Borrower Entity: LLCs, LPs and Corporations only

Ground-Up Construction

No Red Tape, No Income, No Assets, No Reserves.

  • Property Types: 1-4 Single-Family Homes, Townhomes
  • Loan Amounts: $200,000 to $4,000,000
  • LTC: Up to 90% and 75% LTARV
  • Rates starting at: 11.50%
  • Non-Dutch Interest
  • Escrow Payments
  • Survey Required
  • Loan Term: 12-24 months
  • Land Purchase Considered if Entitled
  • Borrower Entity: LLCs, LPs and Corporations only
  • Purchase, Delayed Purchase, Rate & Term Refinance, Refinance for Free and Clear Properties
  • For experienced builders and investors
  • 660 Minimum FICO Score
  • Experience Required: 5-9 successful projects completed in the last 36 months
    • Minimum of 3 successful projects are required to be fix & flip or fix & rent projects
    • At least 1 of the projects must be ground-up construction or heavy rehab  in the same market as the subject

Long-Term DSCR Rental Loans

  • Loan Types: Purchase, Rate & Term or Cash-Out
  • Property Types: 1-4 Single-Family Homes, Condos, and Townhomes
  • Individual Properties Only (no portfolios)
  • Occupancy: Must be Leased, or soon to be leased
  • Rates Starting at: 7.50%
  • Loan Amounts: $100,000 to $2,000,000
  • Max LTV of 80% (for purchases and rate and term refinances)
  • Up to 75% LTV (for cash-out refinances)
  • Loan Term: 30-Year Fixed, ARMs, and Interest-Only
  • Borrower Entity: LLCs, LPs, and Corporations only
  • 680 Minimum FICO Score
  • 1.0x Minimum DSCR
  • Qualify at 125% of Appraisal Market Rent for Leased Long Term Rentals
  • Qualify using Interest-Only Payments

Short-Term DSCR Rental Loans

  • Property Types: 1-4 Single-Family Homes, Condos, and Townhomes
  • Individual Properties Only (no portfolios)
  • Occupancy: Must be Leased, or soon to be leased
  • Rates Starting at: 7.50%
  • Loan Amounts: $100,000 to $2,000,000
  • Max LTV of 80% (for purchases and rate and term refinances)
  • Up to 75% LTV (for cash-out refinances)
  • Borrower Entity: LLCs, LPs, and Corporations only
  • 680 Minimum FICO Score
  • 1.25x Minimum DSCR (for short-term rentals)
  • 12-Month Rent Ledger from Rental Site to Qualify as “Leased”
    • Capped at Lessor of 200% of Appraisal Market Rent or AirDNA Monthly Rent for Unleased Properties

VISIT OUR WEBSITE

Property Types

  • 2-4 Units Residential
  • Condominium
  • Residential Land
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction
  • Residential Long-Term Rental

Specialty Loan Types

  • Land Development
  • Residential Long-Term Rental
  • Residential Short-Term Rental
  • Vacation Rental

Land Types Considered

  • Residential Land

Will Consider Land That is NOT Entitled

no

Max LTV for Land

0%

Max LTC for Land Acquisition

0%
For RTL products, we do not verify any type of assets or income docs (*restrictions apply). Loan-to-Purchase LTV will vary depending on borrower's experience. Borrowers with little or no experience flipping properties may need to bring more cash to closing.

Max Loan-to-Purchase Price

90%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Seller Financing
  • Crowdfunding
  • Family

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

5

Maximum After Repair Value

75%
We offer ground-up construction loans for 1-4 Units Single-Family Homes, Townhomes. No Red Tape, No Income, No Assets, No Reserves. Up to $4M with Rates Starting at 11.5%. Up to 90% LTC and Up to 75% LTARV. 12-24 Month Terms. LLCs, LPs and Corporations ONLY. We can fund the purchase of the land, but it must be entitled. The max LTV for land purchase is typically 65%, but it could go up to 75% if project has preapproved plans and permits.

Development Experience Required

yes

Minimum Number of Ground-Up Construction Projects Completed by Borrower

1

Max LTC for Ground-Up Construction Costs

90%

Interest Charged for Construction Costs

Entire Amount of Total Project Costs

Will Lend on Partially Completed Construction Projects

yes
Our long-term loans are only for a single property. We do not offer this program for a portfolio of multiple properties. No prepayment penalty after 3 years. 3% prepay fee if loan is paid off in 1st year, 2% fee if paid off in 2nd year, 1% fee if paid off in 3rd year.

Minimum Loan Amount

$100,000

Maximum Loan Amount

$2,000,000

Minimum Interest Rate

7.50%

Maximum Interest Rate

11%

Minimum Origination Fee

1.25%

Maximum Origination Fee

4%

Minimum Loan Term

180 months

Maximum Loan Term

360 months

Maximum Loan-To-Value

80%

Maximum Loan-To-Purchase

80%

Minimum Debt Service Coverage Ratio

1.00

Minimum Credit Score

680

Will Lend on a Portfolio of Properties

No

Minimum Property Value

$100,000

Underwriting Fee

Underwriting fee varies depending on the loan product.

Fees which are paid to a third party company

  • Settlement Fee
  • Appraisal Fee
  • Inspection Fee

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

5

Payment Structure
  • Interest Only
  • Interest Reserve
Pre Payment Penalty

yes

No prepayment penalty on short-term bridge or rehab loans. We only charge a prepayment penalty on our 30-year loans, if the loan is paid off within 3 years. 3% fee if loan is paid off in 1st year, 2% fee if paid off in 2nd year, 1% fee if paid off in 3rd year.
Will lend to a foreign national

no

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Collateralizing Multiple Properties in One Loan

no

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Corporation
Documentation Required
  • Credit Report
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

yes

Minimum Credit Score Required

600

Credit Check Description

Minimum 600 FICO score for Fix and Flip and Bridge. 660 FICO score required for our Ground Up Construction Loan program. 680 Minimic FICO score is required for our DSCR Rental Financing program.

Appraisal Required for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Legal Disclaimer

TEMPLE VIEW CAPITAL FUNDING, LP™ 2016 is licensed (i) by the Financial Division of the California Department of Business Oversight as a California Finance Lender and Broker under DBO license #60DBO-73498, (ii) by the Department of Financial Institutions of Arizona as a Arizona Mortgage Banker under License # BK-1004278, (iii) in Minnesota as a Residential Mortgage Originator under License #MN-MO-1835832, (iv) maintains its Residential First Mortgage Notification status in Utah through the Utah Department of Financial Institutions, (v) by the Division of Financial Regulation of Oregon as an Oregon Mortgage Lender under License # ML-5871 and (vi) by the Nevada Division of Mortgage Lending as a Mortgage Company Licensee* under License # 5168. *It should be noted that in the state of Nevada some of Temple View Capital Funding, LP’s services may not be available to Nevada customers. *Rates, terms and conditions offered apply only to qualified borrowers in accordance with our guidelines at the time of application, property factors and geography and are subject to change at any time without notice. This is a non-binding expression of interest and does not create any legally binding commitment or obligation on the part of Temple View Capital Funding, LP or its affiliates and are subject to our credit, legal and investment approval process. Rates and terms are as of 4/15/2024.

Additional Details

TEMPLE VIEW CAPITAL FUNDING, LP™ 2016 is licensed (i) by the Financial Division of the California Department of Business Oversight as a California Finance Lender and Broker under DBO license #60DBO-73498, (ii) by the Department of Financial Institutions of Arizona as a Arizona Mortgage Banker under License # BK-1004278, (iii) in Minnesota as a Residential Mortgage Originator under License #MN-MO-1835832, (iv) maintains its Residential First Mortgage Notification status in Utah through the Utah Department of Financial Institutions, (v) by the Division of Financial Regulation of Oregon as an Oregon Mortgage Lender under License # ML-5871 and (vi) by the Nevada Division of Mortgage Lending as a Mortgage Company Licensee* under License # 5168. *It should be noted that in the state of Nevada some of Temple View Capital Funding, LP’s services may not be available to Nevada customers.

Temple View Capital Testimonials

Contact Temple View Capital

Temple View Capital pays us to be listed, so there is no fee to connect with them directly.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates

​Temple View Capital, is a private investment company created, in response to a restrictive credit market environment, to provide non-traditional, alternative loan products to real estate investors.  Temple View Capital utilizes long-term partnerships with real estate investors, borrowers, servicers and real estate professionals to develop optimal financing solutions for residential investment property acquisition, ground up construction, bridge loans, fix and flip rehab loans, long-term and short-term rental loans, short-term credit resolutions, or emergency refinance funds. The focus of their lending is on residential single-family units. With cost-saving loan programs and an innovative alternative to traditional construction draws, Temple View empowers real estate investors and brokers nationwide to invest in a variety of real estate investment projects.

The Temple View Capital management team has built their success through visionary insight of changing real estate markets.  As the markets shift so does Temple View to deliver the products and services their clients need. Our management team is comprised of executives who have previously held high-level positions in a variety of industry firms including advisory, investment banking, real estate law and national mortgage lending.

TEMPLE VIEW CAPITAL FUNDING, LP™ 2016 is licensed (i) by the Financial Division of the California Department of Business Oversight as a California Finance Lender and Broker under DBO license #60DBO-73498, (ii) by the Department of Financial Institutions of Arizona as a Arizona Mortgage Banker under License # BK-1004278, (iii) in Minnesota as a Residential Mortgage Originator under License #MN-MO-1835832, (iv) maintains its Residential First Mortgage Notification status in Utah through the Utah Department of Financial Institutions, (v) by the Division of Financial Regulation of Oregon as an Oregon Mortgage Lender under License # ML-5871 and (vi) by the Nevada Division of Mortgage Lending as a Mortgage Company Licensee* under License # 5168. *It should be noted that in the state of Nevada some of Temple View Capital Funding, LP’s services may not be available to Nevada customers.

*Rates, terms and conditions offered apply only to qualified borrowers in accordance with our guidelines at the time of application, property factors and geography and are subject to change at any time without notice. This is a non-binding expression of interest and does not create any legally binding commitment or obligation on the part of Temple View Capital Funding, LP or its affiliates and are subject to our credit, legal and investment approval process. Rates and terms are as of 4/15/2024.

VISIT OUR WEBSITE

Call us at: 844-456-1456

Email us at: info@templeviewcap.com

License

AZ BK-1004278, CFL 60DBO-73498, MN MO-1835832, OR ML-5871 NV 5168

Company Size (Number of Employees)

75

Year Established

2012

Associations

  • American Association of Private Lenders

Office Locations

Temple View Capital Headquarters
7550 Wisconsin Avenue, Suite 1012, Bethesda, Maryland 20814



Primary Capital Source
  • Own Funds
  • Bank Credit Line
  • Private Equity Funds
  • Hedge Funds
  • Life Insurance Companies
  • Friends & Family
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Residential Property

90%

Contact Temple View Capital

Temple View Capital pays us to be listed, so there is no fee to connect with them directly.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration

Contact This Lender

Create a Loan Request

Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.

Contact Temple View Capital by whichever method you choose.

If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.

BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$75,000

What We Do

  • Residential Single-Family Properties (non-owner occupied)
  • Up to 90% LTP for Fix and Flips Rehab Loans
  • 20%+ Cash Required for Rental Purchase
  • Ground Up Construction Financing
  • Short-Term Vacation Rental Financing
  • Advanced Rehab Draws Available

Not Available

  • NO 100% Financing
  • NO Junior Liens or Gap Funding
  • NO Owner-Occupied Homes

Send an email to Temple View Capital