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
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term
Residential Fix & Flip
Residential Rehab & Hold
Residential Construction
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
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
noMax LTV for Land
0%Max LTC for Land Acquisition
0%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
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
5Maximum After Repair Value
75%Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
1Max LTC for Ground-Up Construction Costs
90%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
yesMinimum Loan Amount
$100,000Maximum Loan Amount
$2,000,000Minimum Interest Rate
7.50%Maximum Interest Rate
11%Minimum Origination Fee
1.25%Maximum Origination Fee
4%Minimum Loan Term
180 monthsMaximum Loan Term
360 monthsMaximum Loan-To-Value
80%Maximum Loan-To-Purchase
80%Minimum Debt Service Coverage Ratio
1.00Minimum Credit Score
680Will Lend on a Portfolio of Properties
NoMinimum Property Value
$100,000Underwriting Fee
Underwriting fee varies depending on the loan product.
Fees which are paid to a third party company
- Settlement Fee
- Appraisal Fee
- Inspection Fee
Temple View Capital Testimonials
Highly Recommend Working With Temple View! Closed On Time
N.G.
"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 and Temple View did a great job dealing with the delay and making sure the loan closed. I worked with Matt S. and Danielle O. and I am very happy with their communication and knowledge. I would highly recommend Temple View and will definitely work with them again."
Their Advanced Draw Sets Them Apart From Other Lenders
B.H.
"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."
Remarkable Experience Working With Temple View! Very Knowledgeable and Thorough
T.G.
"My experience with TVC was remarkable. The quality of service I received from Paul J. and 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."
Great Communication and Very Transparent
K.C.
"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!!"
My Favorite Lender! Closed On Time and Have Great Loan Programs!
L.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."
Temple View Exceeded My Expectations! Best Lender To Work With!
J.H.
"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."
Received Fast Financing When Other Lenders Couldn't Do My Deal
A.M.
"I've used Temple View Capital on multiple projects and they have always been professional, communicative, and eager to help. The last deal we closed they came in at the last second and were able to provide financing and get the deal done after another company couldn’t make it happen. I will not make that mistake again. TVC has been great to work with, particularly my sales consultant Nick Odle. He is always available and he solves my problems. I'll continue to use them in the future."
Smooth and Easy Process For a First Time Borrower!
L.A.
"Everyone at Temple View was very helpful in me getting my 1st hard money loan. They made it very easy and walked me through it step by step. They answered every question I had. Once I got all my required paperwork in order the closing was within days. Couldn't ask for an easier transaction. Look forward to working with them again."
Top Notch Lender! Very Professional and Knowledgeable
F.H.
"When you're trying to finance a project you need to look for a company with experience in real estate and lending. I have been dealing with many lenders in the course of my real estate career and I can definitely tell you, the company representatives at TVC – Nick and Chris are top notch professional, responsible, courteous, honest and knowledgeable. It has truly been my pleasure working with them. They took the time to answer all my questions. They delivered what they promised!! The entire process was smooth. They were on top of the entire process from beginning to end. I'm looking forward to keep working with you in the near future."
Straightforward Process- Got Funding On My First Project
H.C.
"Temple View Capital was the first lender to provide me with funding for my first deal as a real-estate investor and I'll always be grateful to them. The process was straight forward and they provided all the guidance I needed along the way. I really felt a sense of partnership with them because they don't just lend you the funds. They also check to make sure that the project makes sense for them and also for you. Along with the funding, Nick Odle’s advice has been invaluable in helping me to launch my business as a real estate investor. I've continued to work with them and I look forward to doing so for a very very long time."
Fast Approvals and Great To Work With!
S.S.
"TVC has been wonderful to work with. They have been extremely responsive and were able to get me approved for a loan very quickly. I appreciate Nick and team and look forward to getting this property completed and closing on another!"
Happy I Worked With Temple View! Very Knowledgeable and Responsive!
J.M.
"I recently worked with Yoshimi to secure financing for my real estate investment properties, and I couldn't be happier with the outcome. She was extremely knowledgeable about the different loan options available for investors and were able to find the best fit for my specific needs. She was super responsive and always willing to answer my questions, and she kept me informed throughout the entire process. She also went above and beyond to make sure everything was handled quickly and efficiently, which made the process smooth and stress-free."
Excellent Experience Working With Temple View!
J.P.
"My partner and I have worked with Temple View Capital for over two years and have had an excellent experience with them. TVC is in the minority of lenders who actually follow through and do what they promise. From underwriting through project completion Temple View is there to help get the deal done. We have personally worked with Nick Odle on several projects and it couldn’t be easier. If you are a serious real estate investor I would totally recommend TVC."
Great Customer Service and Highly Professional and Responsive
S.S.
"I chose Temple View Capital because I was tired of trying to justify and validate my business goals with my bank! From beginning to end Rick and Yoshi made the loan process very understandable. They each took their time to explain and answer every question I had. The day of the signing my lawyer had a question. So I said well, let me call my lender and let’s ask him. He was completely impressed when my lender answered my call on the first ring! And then answered his question easily. I would highly recommend Temple View Capital to any first time house flipper or even a seasoned flipper."
Smooth Process And Can Close Fast
T.T.
"Temple view has been good to me. We have closed 3 deals and they make the process so smooth. My last deal was a tough one to close but Joe Lee is the best! Joe went over and beyond to get the job done!"
I Like How They Structure Their Loans With The Draws
C.T.
"We’ve done a few deals with Temple View and worked with David and he’s always available for us. I like the way they structure their loans with the draws. They get creative."
Extremely Impressed With Their Loan Products
B.M.
"I am extremely impressed with their products lines. They seem very competitive and even aggressive to win your business. In the space of capital lending and for people that need to increase their portfolios, either to hold, flip, develop or build out they seem to understand the consumers needs."
Love Their Advanced Rehab Draw Feature! Sets Them Apart From Other Lenders
B.H.
"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."
Stress Free Lending Experience
C.B.
"I worked with Joe of Temple View as a referral from a friend of mine, my experience was that of pain and stress free real estate loan application was very smooth. We closed in record time, he kept me and my business colleagues up to date through the entire process, also offered resources that we continue to use today. Since then my colleagues are I continue to call on him whenever we have real estate deals that need no fuss quick closings with minimal documents. Highly recommend!"
Temple View Can Do Complex Deals Fast
B.D.L.
"Joe and Temple View are simply the BEST in hard money/private money lending. I came to them with a very complex deal, after attempting to close with 2 other lenders. Just when I was ready to give up on this deal and move on, Joe and Temple View came in and saved the day. They are extremely professional, responsive, reasonable and will go the extra mile(s) to make the deal work for you. Everyone I have dealt with at Temple View has been excellent. I can honestly say that they have become my trusted partner in lending and I will never go elsewhere!"
A Lender You Can Depend On And Trust!
I.H.
"I have over 10 loans closed 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."
One Of My Favorite Lenders To Work With!
L.C.
"This is one of my favorite lenders to close for! I absolutely love working with this team! They are great with communication from beginning to end and they put in the extra later hours with me to ensure we actually close on time."
Creative Financing Structure! Does What Other Lenders Can't Do
B.C.
"What I appreciate about Temple View is that they were able to get creative with my financing structure where other lenders wouldn’t. The closing process was also really seamless, way more efficient than my experience working with other lenders in the past."
Highly Recommend Temple View for Funding for Real Estate Projects!
A.P.
"I highly recommend Temple View Capital for funding any and all real estate investment projects whether you’re a newbie or a veteran. I use them on our properties and have nothing but great things to say!"
Great Positive Experience with Temple View
A.H.
"Nick and his team at Temple View Capital are doing a great job. We had a great positive experience. They are professional and knowledgeable. Their lending process is super simple and without any complications, unlike the other lenders in the market. I am definitely recommending TVC to my family and friends. Keep up the great work!"
Smooth Process! Best Decision We Made Was To Work With Temple View!
R.R.
"Working with Temple View Capital has been one of the best decisions we've made as investors. The entire process has been smooth. Nick Odle has gone above and beyond to provide guidance and recommendations. We're excited to close on our first property and look forward to working with Temple View on future projects."
Lender With Extensive Industry Knowledge and Great Communication
T.K.
"I have been working with Temple View for several years. They are highly professional and responsive. I have come to rely on their industry knowledge. Not once did I see any glitches or mistakes made on their end - the follow up is excellent, and attention to detail and thorough analysis are impressive. I worked with Nick Odle and I cannot say enough good things about his professionalism. They work with borrowers and the larger real estate community across the country - well connected and respected. Would not hesitate to recommend to any serious investor or real estate professional!"
Reliable Rehab Lender
B.D.E.
"Temple View was able to get our rehab deal done when no one else could not."
Efficient and Professional Lender
C.S.
"We have been working with temple view capital for years now and will continue doing so for a long time. We have always been getting everything done with efficiency and professionalism. We loved Yoshi’s service, highly recommend working with her."
J.C.
"We had a loan that had to close in about a week and we didn’t have an appraisal. David and Hans got it done for us on time. If you have a fair amount of experience their terms and programs are solid."
Best Lender I've Ever Worked With
D.M.
"I have been in real estate & mortgages for the past 10 years and have worked with countless AE's and underwriters. Kerry, Jose, and Gabe from Temple View have been best I have ever worked with. Always accessible, understand the intricacies of the loans, and are always there to help when needed. Can not recommend them and Temple View enough. You are in great hands with them!"
Contact Temple View Capital
Stay Informed About Private Lending
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.
Call us at: 844-456-1456
Email us at: info@templeviewcap.com
Associations
- American Association of Private Lenders
Office Locations
Temple View Capital Headquarters7550 Wisconsin Avenue, Suite 1012, Bethesda, Maryland 20814
Contact Temple View Capital
Stay Informed About Private Lending
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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