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.

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DSCR Rental Loans*

Fixed Rate Closed End Second Mortgages up to 85% CLTV
Rates Starting at 6.25%*
$30K-$500K Loan Amounts
Non-Owner Occupied, 1-4 Single-Family Homes, Condos, Townhomes, PUD Properties
680+ Credit Score
1.1x Minimum DSCR
Prepayment Penalty
Leased and Unleased Qualifications

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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.

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*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 11/22/2024.

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.

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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
45 Day Rental Loan Lock Guarantee
Now Lending to Foreign Nationals

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FAQs

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!

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