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Direct Lender for 1-4 Unit Non-Owner Occupied Residential Properties

Temple View Capital is a direct lender financing residential investment real estate nationwide. For Fix & Flip projects, we go up to 85% of the acquisition and 100% of the rehab costs. The first draw is credited at closing which can bring the borrower to a 0% down payment at the closing table. We also offer up to 75% Cash Out through our refinance program with no seasoning requirement. We offer 6, 12, and 24 month terms.

  • No bank statements
  • No asset documentation
  • No asset verification
  • No seasoning of funds needed prior to loan closing

Property Geographic Area Details

Nationwide except AZ, ID, MN, ND, NV, OR, SD, UT, VT

Loan Amounts

$75,000 to $2,500,000

Interest Rates

8.5% to 13%

Max Loan-To-Value

75.00%

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
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent

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

We will provide up to 100% of rehab costs and all of our draws are front loaded. We provide the funds up front and the first rehab draw is a credit on the HUD at closing. Depending on the number, this could result in a 0% down payment.

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%

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

First 3 months of interest payments. Once you get to month 4 you are out of the prepay period.

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

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

​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 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.

License

CFL #60DBO-73498

Company Size (Number of Employees)

75

Year Established

2012

Associations

  • American Association of Private Lenders - Member

Office Locations

Headquarters
7101 Wisconsin Avenue, Suite 1012, Bethesda, Maryland 20814

Texas Office
3300 N Interstate Hwy 35 Suite 7005, Austin , Texas 78705

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%

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.

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

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Requested loan amount divided by the purchase price + rehab/construction costs

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

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

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Requested loan amount divided by the purchase price + rehab/construction costs

%

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

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how will the loan be paid off?

acres

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