Temple View Capital for New York investors
Temple View Capital has high loan limits and capacity for commercial and multi-family deals.
New York context
New York City DSCR rarely pencils. Upstate metros (Buffalo, Rochester, Syracuse) produce strong cash flow. NYC strict rent stabilization.
How Temple View Capital positions in New York
For New York specifically, Temple View Capital fits investors who match the hard money approach. The low cash flow profile of New York aggregate makes it workable for Temple View Capital.
City-level coverage in New York
Temple View Capital provides DSCR coverage across New York metros including New York City, Buffalo, and Rochester. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Temple View Capital program terms apply uniformly across New York 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 |
| New York property tax | 1.7% |
| New York state income tax | 10.9% |
Temple View Capital strengths in New York
- high loan limits
- commercial capacity
- experienced team
Ideal borrower: Investor with multi-million dollar deals or commercial exposure
FAQ
Yes, operates nationally including New York. Temple View Capital is based in Bethesda, MD and operates nationally.
New York City is the top investor market in New York and falls within Temple View Capital national coverage. New York City property tax follows the New York state rate of 1.7 percent. Temple View Capital typically underwrites New York City acquisitions at standard rate sheets.
Yes. Buffalo ranks among the larger New York investor metros and sees consistent DSCR loan volume from Temple View Capital. Submarket variation within Buffalo matters for property selection.
Temple View Capital applies the same rate sheet across New York metros. Pricing variation comes from property-specific factors rather than metro location within the same state. New York City, Buffalo, and Rochester 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.
New York City DSCR rarely pencils. Upstate metros (Buffalo, Rochester, Syracuse) produce strong cash flow. NYC strict rent stabilization. Temple View Capital follows standard business-purpose loan structures.
Temple View Capital funds fix-and-flip, rental, bridge, new-construction, commercial in New York.
New York 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 New York 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.