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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

80.00%

Max Loan-To-Cost

90.00%

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

We do not verify any type of assets or income docs. 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

90.00%

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

Rehab Value Add Loan

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

100.00%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

4

Maximum After Repair Value

75.00%

Residential Long-Term Rental

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

$75,000

Maximum Loan Amount

$1,000,000

Minimum Interest Rate

5.00%

Maximum Interest Rate

8%

Minimum Origination Fee

2%

Maximum Origination Fee

3%

Minimum Loan Term

12 months

Maximum Loan Term

360 months

Maximum Loan-To-Value

80.00%

Minimum Debt Service Coverage Ratio

1.25

Will Lend on a Portfolio of Rentals

No

Minimum Property Value

$100,000

Maximum Property Value

$1,000,000

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

4

Works 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

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

660

Credit 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

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Sometimes

Fees

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: 680
  • No Seasoning Requirements
  • Rates Starting at: 5.0%

VISIT OUR WEBSITE

​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.

VISIT OUR WEBSITE

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

Headquarters
7550 Wisconsin Avenue, Suite 1012, Bethesda, Maryland 20814

California Office
150 S. Los Robles Avenue, Suite 665, Pasadena, California 91101

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.

Before You Contact Us

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

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.

$
%
months

At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)

$
$
$
$
$
$
$
%

If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.

$
%
$
$
%

(temp use, storage, billboard, parking, etc.)

$
$
$
$
$
$
$
%

If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.

$
%
$
$

how will the loan be paid off?

acres

Add links to photos here.

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1
acres

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Add links to documents, photos, etc.

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Before You Contact Us

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