ROC Capital (Roc360)

Company Overview

ROC Capital, operating under the Roc360 brand, is one of the larger private lenders in the residential investment space. Based in New York, the company has funded billions in investment property loans and operates nationwide.

ROC Capital has built its reputation on speed and flexibility. Their ability to close loans in as few as 7 days makes them particularly attractive for investors competing in tight markets where speed of execution matters. They also offer one of the widest loan amount ranges in the industry, from $50K to $7.5M, making them accessible to both small single-family investors and larger multifamily portfolio buyers.

Loan Products

DSCR Loans: Long-term rental financing with 30-year terms. Rates starting from 6.5% for top-tier borrowers. No income documentation required. Available for 1-4 unit properties, condos, and small multifamily.

Fix & Flip: Up to 90% LTV on purchase and 100% of renovation costs. Terms from 12-18 months. Fast draws for renovation work.

Bridge Loans: Short-term acquisition and transitional financing. Terms from 6-24 months with interest-only payments.

Rental Portfolio Loans: Blanket loans for investors with multiple properties, allowing you to finance 5+ properties under a single loan.

Who Is ROC Capital Best For?

ROC Capital is ideal for investors who need speed — if you’re making offers in competitive markets and need to close fast, their 7-day capability is hard to beat. They’re also well-suited for investors at both ends of the spectrum: smaller deals under $150K that some lenders won’t touch, and larger deals up to $7.5M that exceed other lenders’ maximums.