Temple, Texas DSCR, Hard Money, Fix & Flip & 5–25+ Unit Multifamily Loans
Temple, TX Local Underwriting Snapshot (BELL County County): With a 2026 population of 76,507, Temple carries an effective property tax rate of 1.81%, a median 1–4 unit investment property price of $365,000, and a median market rent of $2,900/mo. At 75% LTV ($273,750 loan amount), estimated monthly PITIA is $2,499/mo, yielding an estimated baseline DSCR of 1.16x. For 5–25+ unit apartment buildings in Temple, typical valuation averages $153,300/door with $1,675/mo/door market rents.
County & 2026 PopulationBELL County County (76,507)
Effective Property Tax Rate1.81% ($551/mo)
Median 1–4 Unit Price & Rent$365,000 · $2,900/mo
5–25+ Unit Multifamily Avg$153,300/door · $1675/mo
TX Foreclosure & SecurityNon-Judicial (First Tuesday Deed of Trust — TX Prop. Code §51.002) (35–55 days)
Temple, TX Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine
Price/Door: $365,000·Loan/Door: $273,750·Avg Rent/Door: $2,900/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.19xCanonical:
119 bps · 7500 bps LTV · 6625 bps RateStandard Multifamily / DSCR Pass (1.15x–1.24x)
Loan Amount (75% LTV)$273,75027,375,000 _cents
Monthly P&I Debt Service$1,753/mo@ 6.625% Note Rate
Total Monthly PITIA$2,431/moTax: $551 · Ins: $128
Net Monthly Cash Flow+$469/mo$5,626/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $2,431/mo | 1.19x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $2,477/mo | 1.17x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $2,275/mo | 1.27x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.
Temple, TX Short-Term Rental (STR), ADU & Legal Underwriting Notes
Local Municipal & Zoning Guidance: Wholesale DSCR and multifamily lenders in Temple (BELL County County, TX) underwrite both 12-month long-term leases (Form 1007 / Form 1025) and compliant short-term rentals (AirDNA / 12-month booking ledger) subject to local municipal registration.
Texas Statutory Security Instrument: Loans in Temple (BELL County County) are secured via Deed of Trust (Power of Sale) under Texas's Non-Judicial (First Tuesday Deed of Trust — TX Prop. Code §51.002) framework (35–55 days). Insurance underwriting note: Standard DP-3 landlord dwelling fire, general liability & rent-loss coverage required..
10 Loan Programs in Temple, TX
- DSCR Rental Loans (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) ( · 6.375% – 8.25% (Wholesale Tier Dependent))
- Hard Money Loans (Fast Asset-Based Acquisition & Bridge) ( · 9.25% – 11.50% Interest-Only)
- Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital) ( · 8.99% – 11.25% Interest-Only)
- Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) ( · 9.25% – 11.25% Interest-Only)
- Real Estate Bridge Loans (1–4 Unit, 5–25+ Unit Multifamily & Commercial) ( · 8.75% – 10.99% Interest-Only)
- Ground-Up Construction Loans (Spec Homes, Duplex/Fourplex & Build-to-Rent) ( · 9.75% – 11.75% Interest-Only on Drawn Funds)
- Multifamily Loans (5–8, 5–9, 5–10, 5–25 & 5+ Unit Apartment Financing) ( · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge))
- Commercial Property Loans (Mixed-Use, Retail, Industrial, Warehouse & Office) ( · 6.875% – 8.99%)
- Investor Rehab & BRRRR Renovation Loans (Purchase + Holdback to DSCR) ( · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout))
- Investor DSCR Cash-Out Refinance (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) ( · 6.625% – 8.375%)
1–4 to 5–25+ Unit Multifamily Silos in Temple
- 1–4 Unit Residential DSCR Loans — (0.75x – 1.00x+)
- 5–8 Unit Crossover Multifamily DSCR Loans — (1.00x – 1.15x)
- 5–9 Unit Small-Balance Multifamily DSCR Loans — (1.10x – 1.20x)
- 5–10 Unit Expanded Multifamily DSCR Loans — (1.15x – 1.20x)
- 5–25 Unit Mid-Market Apartment DSCR & Bridge Loans — (1.15x – 1.25x)
- 5+ Unit Commercial Multifamily & Blanket Portfolio Loans — (1.15x – 1.25x)
Compare Nearby Texas Markets (≥50,000 Population)
Houston, TX
Pop. 2,393,546 · Price $425K · Rent $3,350/mo
San Antonio, TX
Pop. 1,535,831 · Price $410K · Rent $3,250/mo
Dallas, TX
Pop. 1,370,867 · Price $395K · Rent $3,150/mo
Austin, TX
Pop. 965,086 · Price $465K · Rent $3,650/mo
Fort Worth, TX
Pop. 864,072 · Price $435K · Rent $3,450/mo
El Paso, TX
Pop. 735,132 · Price $410K · Rent $3,250/mo
Arlington, TX
Pop. 413,739 · Price $425K · Rent $3,350/mo
Corpus Christi, TX
Pop. 344,855 · Price $365K · Rent $2,900/mo
Plano, TX
Pop. 299,106 · Price $390K · Rent $3,100/mo
Laredo, TX
Pop. 270,475 · Price $380K · Rent $3,000/mo
Lubbock, TX
Pop. 261,096 · Price $360K · Rent $2,900/mo
Garland, TX
Pop. 255,677 · Price $425K · Rent $3,350/mo