Overview
LendingOne (based in Boca Raton, FL, hard money) and ROC Capital (based in New York, NY, hard money) are both non-QM lenders serving real estate investors. LendingOne serves National; ROC Capital serves National.
LendingOne's figures were checked against its published materials as of 2026-09-17; the other lender's figures below are not independently dated and should be confirmed directly. Rates and terms change and are not a quote for either lender.
LendingOne vs ROC Capital: attribute by attribute
| Attribute | LendingOne | ROC Capital |
|---|---|---|
| Interest rate range | 9%–12% | 9.5%–12% |
| Origination points | 1–3 points | 1–3 points |
| Minimum credit score | 640 | Not publicly published |
| Minimum DSCR | 0.75 | Not publicly published |
| Max LTV | 80% | 80% |
| Max LTC | 90% | 90% |
| Minimum loan size | $85K | $75K |
| Maximum loan size | $2.0M | $5.0M |
| Typical close time | 14-21 days typical | 10-21 days typical |
| Founded | 2014 | 2014 |
| Headquarters | Boca Raton, FL | New York, NY |
Which one fits which borrower
- LendingOne publishes a minimum DSCR of 0.75; ROC Capital does not publish a minimum DSCR figure, so its coverage floor cannot be compared directly.
- LendingOne publishes a minimum credit score of 640; ROC Capital does not publish one.
- ROC Capital's minimum loan size is $75K, below LendingOne's $85K floor — ROC Capital is the fit for a smaller deal that would fall under LendingOne's minimum.
- ROC Capital's maximum loan size is $5.0M, above LendingOne's $2.0M ceiling — a larger transaction may need to go to ROC Capital.
Full profiles
- LendingOne full profile and review
- ROC Capital full profile and review
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LendingOne vs ROC Capital FAQ
LendingOne's published rate range is 9%–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.
LendingOne publishes a minimum credit score of 640. ROC Capital does not publish a minimum credit score.
LendingOne's minimum DSCR is 0.75. ROC Capital does not publish a minimum DSCR.
LendingOne's loan size runs $85K to $2.0M. ROC Capital's loan size runs $75K to $5.0M.
LendingOne's typical close time is 14-21 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.
LendingOne's max LTV is 80% and max LTC is 90%. 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 LendingOne 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.