Temple View Capital for Alabama investors
Temple View Capital has high loan limits and capacity for commercial and multi-family deals.
Alabama context
Alabama has one of the lowest property tax rates in the country, making DSCR cash flow economics strong. Strong investor activity in Birmingham, Huntsville, and Mobile.
How Temple View Capital positions in Alabama
Within Alabama, Temple View Capital competes alongside other DSCR lenders. Temple View Capital strengths: high loan limits, commercial capacity. The high aggregate DSCR economics of Alabama create demand for Temple View Capital programs in Birmingham and Huntsville particularly.
City-level coverage in Alabama
Temple View Capital provides DSCR coverage across Alabama metros including Birmingham, Huntsville, and Mobile. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Temple View Capital program terms apply uniformly across Alabama metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, rental, bridge, new-construction, commercial |
| Loan size | $75K - $10.0M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 6-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| Alabama property tax | 0.4% |
| Alabama state income tax | 5% |
Temple View Capital strengths in Alabama
- high loan limits
- commercial capacity
- experienced team
Ideal borrower: Investor with multi-million dollar deals or commercial exposure
FAQ
Yes, operates nationally including Alabama. Temple View Capital is based in Bethesda, MD and operates nationally.
Birmingham is the top investor market in Alabama and falls within Temple View Capital national coverage. Birmingham property tax follows the Alabama state rate of 0.4 percent. Temple View Capital typically underwrites Birmingham acquisitions at standard rate sheets.
Yes. Huntsville ranks among the larger Alabama investor metros and sees consistent DSCR loan volume from Temple View Capital. Submarket variation within Huntsville matters for property selection.
Temple View Capital applies the same rate sheet across Alabama metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Birmingham, Huntsville, and Mobile all qualify for the same Temple View Capital program.
Temple View Capital indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Alabama has one of the lowest property tax rates in the country, making DSCR cash flow economics strong. Strong investor activity in Birmingham, Huntsville, and Mobile. Temple View Capital follows standard business-purpose loan structures.
Temple View Capital funds fix-and-flip, rental, bridge, new-construction, commercial in Alabama.
Alabama allows standard DSCR prepay structures; Temple View Capital typically uses 3-5 year step down.
Temple View Capital typical close: 14-21 days typical.
Bottom line
Temple View Capital in Alabama works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Temple View Capital.