Industry-Leading DSCR Rental Loan Program

If you’re looking for a great way to maximize your profits and investment on a rental property, look no further than our long-term rental loan. Whether you're purchasing your first rental property or looking to expand your existing portfolio, our DSCR loan program can be tailored to fit your unique situation.

DSCR Rental Loans*

  • Max LTV of 80% for Purchases and Rate and Term Refinances
  • $100K – $2M Loan Amounts
  • 1-4 Single-Family Homes, Condos, Townhomes
  • 680+ Credit Score
  • 1.0x Minimum DSCR
  • Qualify Using Interest-Only Payments
  • Short-Term Rentals Allowed
  • Individual Rental Properties
  • 30-Year Fixed Rate, ARMs, and Interest-Only
  • LLC’s, Corporations, and LP’s Only

Need Landlord Insurance for Your Rental Property?

Get fast, affordable landlord insurance with Steadily. Temple View is proud to partner with Steadily to offer the best landlord insurance that is specifically designed to meet the needs of real estate investors.

*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 6/12/2024. 

What is a DSCR Rental Loan?

A DSCR (debt service coverage ratio) loan is a long-term rental loan that real estate investors use to purchase or refinance rental properties. Essentially, to qualify for this loan, the expected cash flow of the property (or net operating income) must exceed or cover the mortgage payments (or debt service). With Temple View Capital, you can use these loans to purchase or refinance rental properties, such as 1-4 single-family homes, townhomes and condos. You also get to choose from new purchases, refinance or cash-out options, as well as 30-year fixed, ARMs, or interest-only products. If you have an opportunity to generate income from a potential rental property, find out how Temple View Capital can help you get a DSCR Rental Loan so that you can create that new income stream.

Advantages of Our Rental Loans

Our programs are tailored to your project, experience and unique requirements. Apply now for a quick assessment.

  • Long-Term Financing on Short-Term Rentals
  • Qualify With Property Income (DSCR)
  • Delayed Purchase Financing
  • Single Properties or Portfolios. Refinance or Purchase.
  • Purchase, Rate & Term or Cash Out
  • Qualify at 125% of Appraisal Market Rent Or Lease Income for Leased Properties
  • 30 Day Rental Loan Lock Guarantee
  • Nationwide Lending


What are the requirements for a rental loan?

Rental loans are qualified based on considered requirements such as, credit score, loan-to-value (LTV) ratio, and debt service coverage ratio.

What is the repayment schedule?

The repayment schedule is based on specific terms of a borrower's loan, such as monthly payment, interest rate and due dates.

What is the repayment schedule?

The repayment schedule is based on specific terms of a borrower's loan, such as monthly payment, interest rate and due dates.

Are there any specific requirements or restrictions on the rental property itself?

To be eligible for a rental loan, the property must fall into one of the following categories: 1-4 Single-Family Home, Condo, or Townhome. Moreover, the property needs to exhibit positive cash flow, be designated for residential use (boarding houses are not accepted), and must be in good condition, rated as C4 or better.

Are there any additional fees or costs associated with the loan, such as appraisal or inspection fees?

The only additional cost associated with a rental loan is the appraisal fee paid by the borrower.

Do you lend on short-term rentals?

Yes, the qualification for short-term rentals is based on the 12-month ledger from VRBO/Airbnb.

Can I use the rental loan for property acquisition only, or can it also be used for property improvements or renovations?

The rental property must be in a livable and rentable condition; therefore, no renovations are allowed.

Still have questions?

Reach out to our dedicated team, we are happy to help!

See What Our Clients Have to Say

"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."


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Dave W. is there every time I need something and I can speak directly to others if 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."


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"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."


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"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 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."


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"I would highly recommend Temple View to anyone looking to do business in the fix and flip space. Their terms are competitive, and their process is smooth. They were able to close in less than two weeks start to finish. I will definitely use them again."


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"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."


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"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 really seamless, way more efficient than my experience working with other lenders in the past."


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"Working with Temple View Capital has been one of the best decisions we've made as investors. The entire process has been smooth. They have 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."


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