Overview
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
ROC Capital is based in New York, NY and was founded in 2014. They operate nationally and offer fix-and-flip, BRRRR, rental, bridge, new-construction financing. Their loan amount range runs from $75K to $5.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Geographic coverage | National |
| Loan size | $75K – $5.0M |
| Interest rate range | 9.5% – 12% |
| Origination points | 1 – 3 |
| Max LTV | 80% of ARV |
| Max LTC | 90% of cost |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
Strengths
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower
Mid-to-experienced investor
How ROC Capital compares
As an institutional non-QM lender, ROC Capital's underwriting is templated and predictable. That is fast for a borrower who fits the box and inflexible for one who does not.
Coverage is the constraint most investors hit first. ROC Capital serves National, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for ROC Capital cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
ROC Capital FAQ
ROC Capital is based in New York, NY and serves National. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
ROC Capital's indicative rate range is 9.5%–12% with 1–3 points. Pricing depends on credit, leverage, coverage ratio and experience, and moves with the market.
ROC Capital's typical minimum loan is $75K, with maximum loan size up to $5.0M.
ROC Capital's typical close timeline is 10-21 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
ROC Capital offers fix-and-flip, BRRRR, rental, bridge, new-construction financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Mid-to-experienced investor
This review is an independent directory listing. DSCR Loan Program is not affiliated with ROC Capital, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.