Overview
Renovo Financial (based in Chicago, IL, hard money) and ROC Capital (based in New York, NY, hard money) are both non-QM lenders serving real estate investors. Renovo Financial serves Chicago / national; 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.
Renovo Financial vs ROC Capital: attribute by attribute
| Attribute | Renovo Financial | ROC Capital |
|---|---|---|
| Interest rate range | 9.5%–12.5% | 9.5%–12% |
| Origination points | 1–3 points | 1–3 points |
| Max LTV | 85% | 80% |
| Max LTC | 90% | 90% |
| Minimum loan size | $100K | $75K |
| Maximum loan size | $5.0M | $5.0M |
| Typical close time | 7-14 days typical | 10-21 days typical |
| Founded | 2011 | 2014 |
| Headquarters | Chicago, IL | New York, NY |
Which one fits which borrower
- Renovo Financial's max LTV is 85% against ROC Capital's 80% — on the same purchase price, Renovo Financial's published leverage lets a borrower put down less cash.
- ROC Capital's minimum loan size is $75K, below Renovo Financial's $100K floor — ROC Capital is the fit for a smaller deal that would fall under Renovo Financial's minimum.
- Renovo Financial was founded in 2011, 3 years before ROC Capital (founded 2014) — longer time in the market, not a claim about which underwrites better today.
Full profiles
- Renovo Financial full profile and review
- ROC Capital full profile and review
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Renovo Financial vs ROC Capital FAQ
Renovo Financial's published rate range is 9.5%–12.5%. 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.
Renovo Financial's loan size runs $100K to $5.0M. ROC Capital's loan size runs $75K to $5.0M.
Renovo Financial'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.
Renovo Financial'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 Renovo Financial 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.