Frequently Asked Questions

Here are answers to some of our most frequently asked questions.

Why work with Temple View?

Temple View offers a range of financing solutions designed specifically for residential real estate investors. Our loan programs include:

Fix & Flip Loans – Financing for the purchase, refinance, and renovation of investment properties
Bridge Loans – Short-term financing for acquisitions, refinances, and other time-sensitive opportunities
DSCR Rental Loans – Long-term financing for rental properties based primarily on the property’s cash flow
Ground Up Construction Loans – Financing for new residential construction projects from the ground up

Our programs are designed to support investors across a variety of strategies, from acquiring and renovating properties to building and growing rental portfolios.

What are some advantages of private money lenders?

Private money loans can have several advantages over traditional bank financing including:

A simpler application process and quicker approval/disapproval decision.
Less scrutiny of the borrower’s personal financial situation, including income and historical tax returns, compared to bank loans.
Borrowers can allocate less time to seeking financing and instead concentrate on other businesses.
Most private money lenders do not expect perfect credit and substantial amounts of disposable income from borrowers, but instead focus on the merits of the specific deal under consideration.

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What states do you lend in?

We lend nationwide in 47 states across the U.S. States we do not lend in include ND, SD, VT. However, other states may be approved by exception.

What loan programs do you offer?

Temple View offers a range of financing solutions designed specifically for residential real estate investors. Our loan programs include:

Fix & Flip Loans – Financing for the purchase, refinance, and renovation of investment properties
Bridge Loans – Short-term financing for acquisitions, refinances, and other time-sensitive opportunities
DSCR Rental Loans – Long-term financing for rental properties based primarily on the property’s cash flow
Ground Up Construction Loans – Financing for new residential construction projects from the ground up

Our programs are designed to support investors across a variety of strategies, from acquiring and renovating properties to building and growing rental portfolios.

What type of properties do you lend on?

Residential, Non-Owner-Occupied, 1-4 Single-Family Homes, Condos, and Townhomes.

Will Temple View lend on an owner-occupied home?

Temple View does not have an owner-occupied loan program. We lend to experienced real estate investors for the purchase, improvement, and construction of residential non-owner-occupied properties, including rentals.

Does my credit matter?

Yes. Credit is one of several factors considered during our underwriting process. While requirements vary by loan program and deal, we also evaluate the property, project, and overall strength of the investment when determining eligibility.

Can I purchase a property under my personal name?

No. Temple View provides business-purpose financing to eligible business entities, such as LLCs and corporations. Properties financed through Temple View must be held in an approved business entity rather than an individual’s personal name.

What are your program features?

Program features vary by loan type, but may include:

Fast, in-house underwriting
Flexible loan structures
Advanced rehab draws
Financed interest reserves
Streamlined income documentation
Purchase and refinance options
Competitive rates and leverage
Dedicated investor lending support

What are advanced rehab draws?

Advanced rehab draws provide eligible borrowers with access to a portion of their renovation funds upfront, helping reduce out-of-pocket costs and keep projects moving forward.

What is a draw request and how does the process work for construction draws?

A draw request allows borrowers to access approved renovation or construction funds throughout the project. Depending on the loan, funds may be provided as an advanced draw before work is completed or as a reimbursement draw after completed work is verified.

Draw requests are submitted through the borrower portal and reviewed by Temple View. Depending on the request, documentation and an inspection may be required before funds are released.

For additional details, view our Construction Draw Process.

How do I apply for a loan?

Getting started is easy. Complete our online application or call us at 844-232-7878 to discuss your project with a member of our lending team. We’ll review your loan scenario and help determine the best financing option for your investment.

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