Published terms, read October 29, 2026
Temple View Capital vs Asset Based Lending: published loan terms side by side
DSCR floor: Temple View 0.75x, ABL 1.00x. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), Temple View needs at least $1,500 of rent; ABL needs at least $2,000 of rent. Below is everything else each one publishes on its own website, term by term.
The two lenders
Temple View Capital
Private portfolio lender to residential real estate investors, headquartered in Bethesda, Maryland. Its footer dates Temple View Capital, LLC to 2012 and the lending entity, Temple View Capital Funding, LP, to 2016.
Asset Based Lending
Direct private real estate lender based in Jersey City, New Jersey, founded in 2010 (NMLS #2449622). It funds fix and flip, new construction and bridge loans in-house; its DSCR rental loans are brokered to third-party capital partners.
The differences that change a deal
- States: ABL excludes Alaska, Hawaii, Montana, Nevada and Utah, which Temple View does not list as excluded.
- Smallest DSCR loan: $55,000 at Temple View, $85,000 at ABL.
- Units on one rental loan: up to 4 at Temple View, up to 9 at ABL.
- Largest construction loan: $7.5 million at Temple View, $50 million at ABL.
- Largest flip loan: $6 million at Temple View, $50 million at ABL.
DSCR rental loans
| Term | Temple View Capital | Asset Based Lending |
|---|---|---|
| Loan amount | $55,000 to $2,500,000 | $85,000 to $2,500,000 |
| Max LTV (purchase) | Up to 80% LTV | Up to 80% LTV |
| Min FICO | 660 | 660 |
| Min DSCR | 0.75x on long-term rentals; 1.0x on short-term rentals | 1.00x |
| Experience | Not published | Not required (first-time and experienced investors) |
| Property types | Single family, 2-4 units, condos, townhomes, PUDs (non-owner-occupied) | Single family, 2-4 units, condos (also 5-9 units) |
Fix and flip loans
| Term | Temple View Capital | Asset Based Lending |
|---|---|---|
| Loan amount | $75,000 to $6,000,000 | $75,000 to $50,000,000 |
| Purchase | Up to 90% LTV | Up to 90% of price |
| Rehab | Up to 100% (rehab budget 100% funded) | Up to 100% |
| Max ARV | Up to 75% of ARV | Up to 75% of ARV |
| Min FICO | Not published for rehab loans (bridge loans require 660) | 660 |
| Experience | Not published (experience is an underwriting factor) | Not required; first-time flippers eligible (experienced borrowers may get higher leverage) |
| Term | Up to 24 months | 12 to 24 months |
Ground-up construction loans
| Term | Temple View Capital | Asset Based Lending |
|---|---|---|
| Loan amount | $200,000 to $7,500,000 | $75,000 to $50,000,000 |
| Max LTC | Up to 90% of total cost | Not published as LTC; up to 75% of land purchase plus 100% of construction costs |
| Max ARV | Up to 75% of ARV | Up to 75% of ARV |
| Min FICO | Not published | 660 |
| Experience | Required (program is for experienced builders and investors) | Prior ground-up experience reviewed (qualifying project completed and sold or refinanced within 36 months); not stated as a hard requirement |
| Term | 12 to 24 months | 12 to 24 months |
States and borrower rules
| Lender | Where it lends | Borrowing entity | Foreign nationals |
|---|---|---|---|
| Temple View Capital | 47 states. North Dakota, South Dakota and Vermont are excluded; other states may be approved by exception. Its licensing note says some services may not be available to Nevada customers. [src][src] | Business entity required. Properties must be held in an approved entity such as an LLC or corporation, not in a personal name. [src][src][src][src] | Eligible on DSCR rental loans (the DSCR page says it is now lending to foreign nationals). Not stated for the other programs. [src] |
| Asset Based Lending | 42 states and Washington, DC per its published list (the same page says '43 states'). Not on the list: AK, HI, MT, NV, ND, SD, UT, VT. [src][src] | Business entity required. Title must be held in an LLC or corporation; a personal guarantee is required from all principals. [src][src] | Not published. |
For reference: our programs next to both
Doors Funded programs are arranged by Janover Capital LLC, which is paid when they close. They are shown separately so the comparison above stays between the two lenders.
| Lender | Loan amount | Max LTV (purchase) | Min FICO | Min DSCR | Experience | Source |
|---|---|---|---|---|---|---|
| Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close | $75,000 to $2,000,000 | Up to 80% LTV (75% cash-out) | 660 | 1.05x | Not required | terms |
| Temple View Capital | $55,000 to $2,500,000 | Up to 80% LTV | 660 | 0.75x on long-term rentals; 1.0x on short-term rentals | Not published | [1][2][3] |
| Asset Based Lending | $85,000 to $2,500,000 | Up to 80% LTV | 660 | 1.00x | Not required (first-time and experienced investors) | [1][2] |
| Lender | Loan amount | Purchase | Rehab | Max ARV | Min FICO | Experience | Term | Source |
|---|---|---|---|---|---|---|---|---|
| Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close | $50,000 to $3,000,000 | Up to 90% of price | Up to 100% | Up to 75% of ARV | Quoted per loan | None required | 12 months; 18 months case by case | terms |
| Temple View Capital | $75,000 to $6,000,000 | Up to 90% LTV | Up to 100% (rehab budget 100% funded) | Up to 75% of ARV | Not published for rehab loans (bridge loans require 660) | Not published (experience is an underwriting factor) | Up to 24 months | [1][2] |
| Asset Based Lending | $75,000 to $50,000,000 | Up to 90% of price | Up to 100% | Up to 75% of ARV | 660 | Not required; first-time flippers eligible (experienced borrowers may get higher leverage) | 12 to 24 months | [1][2][3] |
If neither fits
Sources
- Temple View: DSCR loan program. Read October 29, 2026.
- Temple View: Rehab (fix and flip) loans. Read October 29, 2026.
- Temple View: Bridge loans. Read October 29, 2026.
- Temple View: Ground up construction. Read October 29, 2026.
- Temple View: FAQs. Read October 29, 2026.
- Temple View: Homepage and licensing footer. Read October 29, 2026.
- ABL: Company and loan program overview (updated Sept 30, 2026). Read October 29, 2026.
- ABL: DSCR rental loans. Read October 29, 2026.
- ABL: Fix and flip loans. Read October 29, 2026.
- ABL: New construction loans. Read October 29, 2026.
- ABL: Bridge loans. Read October 29, 2026.
- ABL: Where we lend. Read October 29, 2026.
- ABL: FAQs. Read October 29, 2026.
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.