Overview
Iron Bridge Lending (based in Lake Oswego, OR, hard money) and ROC Capital (based in New York, NY, hard money) are both non-QM lenders serving real estate investors. Iron Bridge Lending serves Western & Midwest; ROC Capital serves National.
These figures are drawn from each lender's published materials and should be confirmed directly, since neither record here carries an independent verification date. Rates and terms change and are not a quote for either lender.
Iron Bridge Lending vs ROC Capital: attribute by attribute
| Attribute | Iron Bridge Lending | ROC Capital |
|---|---|---|
| Interest rate range | 9.5%–12% | 9.5%–12% |
| Origination points | 1.5–3 points | 1–3 points |
| Max LTV | 75% | 80% |
| Max LTC | 85% | 90% |
| Minimum loan size | $75K | $75K |
| Maximum loan size | $3.0M | $5.0M |
| Typical close time | 7-14 days typical | 10-21 days typical |
| Founded | 2009 | 2014 |
| Headquarters | Lake Oswego, OR | New York, NY |
Which one fits which borrower
- ROC Capital's max LTV is 80% against Iron Bridge Lending's 75% — on the same purchase price, ROC Capital's published leverage lets a borrower put down less cash.
- ROC Capital's max LTC is 90% against Iron Bridge Lending's 85% — for a rehab-heavy deal, ROC Capital's published figure covers a larger share of total project cost.
- ROC Capital's maximum loan size is $5.0M, above Iron Bridge Lending's $3.0M ceiling — a larger transaction may need to go to ROC Capital.
- Iron Bridge Lending was founded in 2009, 5 years before ROC Capital (founded 2014) — longer time in the market, not a claim about which underwrites better today.
Full profiles
- Iron Bridge Lending full profile and review
- ROC Capital full profile and review
- All lender comparisons
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Iron Bridge Lending vs ROC Capital FAQ
Iron Bridge Lending's published rate range is 9.5%–12%. ROC Capital's published rate range is 9.5%–12%. Both ranges depend on credit, leverage, DSCR coverage and borrower experience, so where a specific deal prices inside either range varies.
Iron Bridge Lending's loan size runs $75K to $3.0M. ROC Capital's loan size runs $75K to $5.0M.
Iron Bridge Lending's typical close time is 7-14 days typical. ROC Capital's typical close time is 10-21 days typical. Actual timelines depend on documentation, title work and underwriting load regardless of lender.
Iron Bridge Lending's max LTV is 75% and max LTC is 85%. ROC Capital's max LTV is 80% and max LTC is 90%.
This comparison is an independent directory listing. DSCR Loan Program is not affiliated with Iron Bridge Lending or ROC Capital, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by each lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.