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Direct Lender for Residential Real Estate Investors
Bridge Loans | Purchase & Rehab Loans | 30-Year Rental Loans
Temple View Capital is a national direct lender who delivers their clients the quickest path to wealth by providing a flexible process and help from an experienced team of real estate investors. Our rental, rehab and bridge loans are simple, transparent and efficient, with no red tape.
- Purchase Transactions
- No income, No tax returns, No assets & No reserves
- Advance Rehab Draws Available
- No seasoning of funds needed prior to loan closing
Please note: We do NOT offer loans for land, ground-up construction or owner-occupied homes.
Property Geographic Area Details
Nationwide except DE, ID, ND, NV, SD, VT
Loan Amounts
$75,000 to $2,000,000
Interest Rates
8.50% to 13%
Max Loan-To-Value
80%
Max Loan-To-Cost
90%
Origination Fees
2% to 4%
Loan Terms
6 months to 24 months
Lien Position
- 1st
Loan Purpose
- Investment Acquisition
- Improve Subject Property
Property Occupancy
- Vacant
- Tenant Occupied 100%
Property Types and Loan Types
Collateral Types
- Residential Property
Property Types
- 2-4 Units Residential
- Condominium
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Long-Term Rental
Purchase Loan
Max Loan-To-Purchase Price
90%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed 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
Rehab Value Add Loan
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
4Maximum After Repair Value
75.00%Residential Long-Term Rental
Minimum Loan Amount
$75,000Maximum Loan Amount
$1,000,000Minimum Interest Rate
4.25%Maximum Interest Rate
8%Minimum Origination Fee
2%Maximum Origination Fee
3%Minimum Loan Term
12 monthsMaximum Loan Term
360 monthsMaximum Loan-To-Value
80%Minimum Debt Service Coverage Ratio
1.25Will Lend on a Portfolio of Rentals
NoMinimum Property Value
$100,000Maximum Property Value
$1,000,000Details and Requirements
Typical Closing Time (Days)
10Fastest Closing Time (Days)
4Works With
- Brokers
- Borrowers
Payment Structure
- Interest Only
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
noWill Consider Collateralizing Multiple Properties in One Loan
noWill Consider Equity Joint Venture
no
Borrower Entity Types Considered
- LLC
- Limited Partnership
- Corporation
Documentation Required
- Credit Report
- Loan Application
Personal Guaranty (Recourse) Required
AlwaysCredit Check Required
yesMinimum Credit Score Required
660Credit Check Description
Minimum 660 FICO score for Fix & Flip and Bridge Loans. 680 FICO required for our Rental Financing program.Appraisal Required for Residential Property
AlwaysBroker Price Opinion (BPO) Accepted for Residential Property
SometimesFees
Underwriting Fee
$999.00 to $999.00
One time $999.00 Underwriting Fee
Fees which are charged upfront prior to loan closing
- Other Fee
Fees which are paid to a third party company
- Appraisal Fee
- Inspection Fee
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 an 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 and (v) by the Division of Financial Regulation of Oregon as an Oregon Mortgage Lender under License # ML-5871.
Purchase & Refinance Rehab Loans
- Property Types: Single-family, 1-4 Units, Condos, Townhomes
- Loan Amounts: $75,000 to $2,000,000
- LTV: Up to 90%
- Loan Term: 24 months
- Loan Type: Purchase Transactions
- Borrower Entity: LLCs, LPs and Corporations only
- No income, No assets & No reserves
- Advanced Rehab Draws Available
- 24 Hrs Online Access to Draw Management
- Monthly Payments Rolled Into the Loan
Purchase Bridge Loans
Simple bridge loan to acquiring investment properties. No Red Tape, No Income, No Assets, No Reserves.
- Property Types: Single-family, 1-4 Units, Condos, Townhomes
- Occupancy: Must be Leased, or soon to be leased
- Loan Amounts: $75,000 to $2,000,000
- LTV: Up to 80%
- Loan Term: 18 months
- Loan Type: Purchase Transactions
- Borrower Entity: LLCs, LPs and Corporations only
Long-Term Rental Loans
- Loan Types: Purchase, Rate & Term or Cash Out
- Property Types: Single-family, 1-4 Units, Condos, Townhomes
- Individual Properties Only (no portfolios)
- Occupancy: Must be Leased, or soon to be leased
- DSCR Calculated on IO (interest only)
- Loan Amounts: $75,000 to $1,000,000
- LTV: Up to 80%
- Loan Term: 30 Year Fixed
- Borrower Entity: LLCs, LPs and Corporations only
- Minimum FICO Credit Score: 640
- No Seasoning Requirements
- Rates Starting at: 4.25%
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, bridge loans, short-term credit resolutions, or emergency refinance funds. The focus of their lending is on single-family units.
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 is licensed by the Financial Division of the California Department of Business Oversight as a California Finance Lender and Broker under DBO license #60DBO-73498.Temple View Capital Funding, LP is licensed by the Department of Financial Institutions of Arizona as an Arizona Mortgage Banker under License # BK-1004278.Temple View Capital Funding, LP is licensed in Minnesota as a Residential Mortgage Originator under License #MN-MO-1835832.Temple View Capital Funding, LP maintains its Residential First Mortgage Notification status in Utah through the Utah Department of Financial Institutions.Temple View Capital Funding, LP is licensed by the Division of Financial Regulation of Oregon as an Oregon Mortgage Lender under License # ML-5871.
License
AZ BK-1004278, CFL 60DBO-73498, MN MO-1835832, OR ML-5871
Company Size (Number of Employees)
75
Year Established
2012
Associations
- American Association of Private Lenders
Office Locations
Headquarters7550 Wisconsin Avenue, Suite 1012, Bethesda, Maryland 20814
Primary Capital Source
- Own Funds
- Bank Credit Line
- Hedge Funds
Loan Structure for Majority of Loans
- Own Balance Sheet
Percentage of company’s lending business focused on private mortgage
100%
Company’s Other Business Activities Besides Private Mortgage Lending
- Note Investing
Percentage of Loans Secured by Residential Property
100%
Percentage of Residential Property Loans Which are Fix and Flip
75%
Percentage of Residential Property Loans Which are Buy and Hold
15%
Percentage of Residential Property Loans Which are Ground-Up Construction
3%
Percentage of Residential Property Loans Which are Long-Term Rental (5+ years)
10%
I have closed several loans with this lender. I did not have any issues and all of my loans were quick to close. One of the loans had a delay on the seller’s end & Temple View did a great job dealing with the delay and making sure the loan closed. I worked with Matt S. & Danielle O. and I am very happy with their communication & knowledge. I would highly recommend Temple View and will definitely work with them again.
N.G.
Been working with them for a few months. The advanced draws is what sets them apart. I’m doing more than one deal at a time so to get money upfront for work is a big difference maker. Dave W is there every time I need something and I can speak directly to others if I need be. Wish underwriting was a bit faster as they ask me for things others don’t but you take the good with the bad.
B.H.
My experience with TVC was remarkable. The quality of service I received from Paul J. & Katie S. was amazing. They were knowledgeable and thorough and got me through the loan process swiftly. I would recommend TVC to anyone looking for a no hassle hard money product.
T.G.
Just closed a loan with TVC. Though the process took a little longer than I expected, the communication was open and transparent. They are one of the few lenders that front funds at closing. I will do business with them again. Thanks TVC!!
K.C.
This is one of my favorite lenders to close for; I mean I absolutely love working with this team! They are great with communication from beginning to end and they put in the extra late hours with me to ensure we actually close ON TIME. The products they offer are also great for investors. From the products to the team, I think they’re one of the best hard money lenders out there.
L.C.
I have been in the business for over 5 years and temple view has exceeded my expectations of what and how a hard money lender should operate. Temple view capital is by far one of the Best companies I have worked with to date. Very professional and attentive to my my business needs. I have over 10 loans with this lender, I have several investors that I have referred to temple view and each of them are very pleased with the services they received. This is truly a company you can depend on and trust. A special Thanks to Matthew and Danielle for always getting the job done.
J.H.
Our Minimum Loan Amount Is
$75,000
What We Do
- Residential & Multifamily Properties
- Up to 90% LTP for Flips
- 10%+ Cash Required for Flip Purchase
- 25%+ Cash Required for Rental Purchase
- Short-Term and Long-Term Financing
Not Available
- NO 100% Financing
- NO Junior Liens or Gap Funding
- NO Owner-Occupied Homes
- NO Ground-Up Construction Loans
- NO Land Loans