Overview
New Silver (based in West Hartford, CT, hard money) and ROC Capital (based in New York, NY, hard money) are both non-QM lenders serving real estate investors. New Silver serves National; ROC Capital serves National.
New Silver'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.
New Silver vs ROC Capital: attribute by attribute
| Attribute | New Silver | ROC Capital |
|---|---|---|
| Interest rate range | 9.5%–11.75% | 9.5%–12% |
| Origination points | 1–3 points | 1–3 points |
| Minimum credit score | 660 | Not publicly published |
| Minimum DSCR | 0.75 | Not publicly published |
| Max LTV | 85% | 80% |
| Max LTC | 90% | 90% |
| Minimum loan size | $100K | $75K |
| Maximum loan size | $3.0M | $5.0M |
| States covered | 39 states | Not publicly published |
| Typical close time | 5-14 days typical | 10-21 days typical |
| Founded | 2018 | 2014 |
| Headquarters | West Hartford, CT | New York, NY |
Which one fits which borrower
- New Silver publishes a minimum DSCR of 0.75; ROC Capital does not publish a minimum DSCR figure, so its coverage floor cannot be compared directly.
- New Silver publishes a minimum credit score of 660; ROC Capital does not publish one.
- New Silver's max LTV is 85% against ROC Capital's 80% — on the same purchase price, New Silver's published leverage lets a borrower put down less cash.
- ROC Capital's minimum loan size is $75K, below New Silver's $100K floor — ROC Capital is the fit for a smaller deal that would fall under New Silver's minimum.
- ROC Capital's maximum loan size is $5.0M, above New Silver's $3.0M ceiling — a larger transaction may need to go to ROC Capital.
- New Silver publishes coverage in 39 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.
- ROC Capital was founded in 2014, 4 years before New Silver (founded 2018) — longer time in the market, not a claim about which underwrites better today.
Full profiles
- New Silver full profile and review
- ROC Capital full profile and review
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New Silver vs ROC Capital FAQ
New Silver's published rate range is 9.5%–11.75%. 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.
New Silver publishes a minimum credit score of 660. ROC Capital does not publish a minimum credit score.
New Silver's minimum DSCR is 0.75. ROC Capital does not publish a minimum DSCR.
New Silver's loan size runs $100K to $3.0M. ROC Capital's loan size runs $75K to $5.0M.
New Silver's typical close time is 5-14 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.
New Silver's max LTV is 85% 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 New Silver 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.