Overview
Lima One Capital (based in Greenville, SC, hard money) and ROC Capital (based in New York, NY, hard money) are both non-QM lenders serving real estate investors. Lima One Capital serves National; ROC Capital serves National.
Lima One Capital'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.
Lima One Capital vs ROC Capital: attribute by attribute
| Attribute | Lima One Capital | ROC Capital |
|---|---|---|
| Interest rate range | 7%–12% | 9.5%–12% |
| Origination points | 1–3 points | 1–3 points |
| Minimum DSCR | 1.00 | Not publicly published |
| Max LTV | 80% | 80% |
| Max LTC | 92% | 90% |
| Minimum loan size | $75K | $75K |
| Maximum loan size | $2.5M | $5.0M |
| States covered | 46 states | Not publicly published |
| Typical close time | 10-21 days typical | 10-21 days typical |
| Founded | 2010 | 2014 |
| Headquarters | Greenville, SC | New York, NY |
Which one fits which borrower
- Lima One Capital publishes a minimum DSCR of 1.00; ROC Capital does not publish a minimum DSCR figure, so its coverage floor cannot be compared directly.
- Lima One Capital's max LTC is 92% against ROC Capital's 90% — for a rehab-heavy deal, Lima One Capital's published figure covers a larger share of total project cost.
- ROC Capital's maximum loan size is $5.0M, above Lima One Capital's $2.5M ceiling — a larger transaction may need to go to ROC Capital.
- Lima One Capital publishes coverage in 46 states; ROC Capital does not publish a state count. That does not mean ROC Capital covers fewer states, only that the figure is not published.
- Lima One Capital was founded in 2010, 4 years before ROC Capital (founded 2014) — longer time in the market, not a claim about which underwrites better today.
Full profiles
- Lima One Capital full profile and review
- ROC Capital full profile and review
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Lima One Capital vs ROC Capital FAQ
Lima One Capital's published rate range is 7%–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.
Lima One Capital's minimum DSCR is 1.00. ROC Capital does not publish a minimum DSCR.
Lima One Capital's loan size runs $75K to $2.5M. ROC Capital's loan size runs $75K to $5.0M.
Lima One Capital's typical close time is 10-21 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.
Lima One Capital's max LTV is 80% and max LTC is 92%. 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 Lima One Capital 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.