Temple View Capital for California investors
Temple View Capital has high loan limits and capacity for commercial and multi-family deals.
California context
California DSCR economics tight in coastal markets but workable in Central Valley. AB1482 statewide rent control caps annual rent increases. Tight STR rules in many cities.
How Temple View Capital positions in California
California is well covered by national DSCR lenders, with Temple View Capital as one option. Where Temple View Capital differentiates: high loan limits. Where it competes: rates 9.5 to 12 percent against peer programs.
City-level coverage in California
Temple View Capital provides DSCR coverage across California metros including Los Angeles, San Francisco, and San Diego. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Temple View Capital program terms apply uniformly across California 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 |
| California property tax | 0.7% |
| California state income tax | 13.3% |
Temple View Capital strengths in California
- high loan limits
- commercial capacity
- experienced team
Ideal borrower: Investor with multi-million dollar deals or commercial exposure
FAQ
Yes, operates nationally including California. Temple View Capital is based in Bethesda, MD and operates nationally.
Los Angeles is the top investor market in California and falls within Temple View Capital national coverage. Los Angeles property tax follows the California state rate of 0.7 percent. Temple View Capital typically underwrites Los Angeles acquisitions at standard rate sheets.
Yes. San Francisco ranks among the larger California investor metros and sees consistent DSCR loan volume from Temple View Capital. Submarket variation within San Francisco matters for property selection.
Temple View Capital applies the same rate sheet across California metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Los Angeles, San Francisco, and San Diego 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.
California DSCR economics tight in coastal markets but workable in Central Valley. AB1482 statewide rent control caps annual rent increases. Tight STR rules in many cities. Temple View Capital follows standard business-purpose loan structures.
Temple View Capital funds fix-and-flip, rental, bridge, new-construction, commercial in California.
California has some restrictions on prepayment penalty structures; Temple View Capital typically uses 3-5 year step down.
Temple View Capital typical close: 14-21 days typical.
Bottom line
For California DSCR borrowers, Temple View Capital is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Temple View Capital.