Our Commercial Real Estate Products

Commercial Build-to-Suit Loans

$1MM-$15MM

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Multifamily Purchase and Rehab Loans

$1MM-$15MM

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Commercial Real Estate Bridge Loans

$1MM-$15MM

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Retail Build-to-Suit Commercial Lending Program

Roc Capital has funded several projects since the recent launch of its build-to-suit commercial lending program. Roc Capital is looking to identify and build strategic partnerships across all areas of the build-to-suit business; including with landlords, developers, franchise industry players, strong credit tenants with expanding real estate needs and with institutional investors that seek stable low duration assets with strong cash flow and low-risk exit profiles.

Typical Terms

Loan TypeSenior loans for purchase and construction of single and multi tenant retail properties
Loan Amount$1,000,000 to $15,000,000
Maximum Term18 Months with 6 month extension
AmortizationInterest Only
Origination Fee1.5-2.5%
Loan to CostUp to 100% of total project costs
Loan to After Repair Value65-75% of fully appraised value upon rent commencement
Interest Rate9-12% fixed
Lease
  • NNN executed lease
  • 10 years minimum
  • Strong public or private credit tenants
  • Single tenant preferred
Other
  • Nationwide platform
  • In-place permits and licenses at closing
  • Builder completion guarantee
  • Interest reserves required

Featured Project

Jiffy Lube

Texas
$2,150,000

Multifamily Lending Program

Roc Capital has expanded its successful 1-4 family fix and flip lending program to include multi-family properties nationwide. This new program is targeted at smaller multi-family properties, typically those with less than 50 units, that need renovation and lease-up to stabilize rent rolls. Prior borrower experience in similar projects is required. Roc Capital is a reliable capital partner for private lenders, offering quick turnaround times and preferred financing terms for repeat borrowers with an active pipeline of transactions. We are NOT funding ground up construction of multifamily properties at this time.

Typical Terms

Loan TypeSenior 1st mortgage loans only
Loan Amount$1,000,000 to $15,000,000
Maximum TermUp to 2 years
AmortizationInterest Only
Interest Rate10-12% fixed
Origination Fee2-3%
Loan to Cost
  • Up to 80% of purchase
  • Up to 100% of rehab
Loan to After Repair ValueUp to 65% of appraised value
Other
  • Nationwide platform
  • 6 months minimum interest
  • Interest reserves if no in-place cash flow available
  • Borrower experience required

Featured Project

80 Unit Apartment Building

Charlotte, NC
$3,875,000

Commercial Real Estate Bridge Loan

Roc Capital is an active lender in commercial real estate, providing bridge capital for small and medium balance transactions. Uses of proceeds include: - Quick close transactions - DPO financing - Debt refinancing and restructuring - Partner buyouts - Repositioning of transition assets requiring some renovation and TI/LC funds

Typical Terms

Loan TypeSenior first mortgage loans only
Loan Amount$1,000,000 to $15,000,000
Maximum TermUp to 2 Years
AmortizationInterest Only
Interest Rate8-12% Fixed
Origination Fee2-3%
Loan to CostUp to 75%
Stabilized Target Loan to Value
  • 60% Special Use
  • 70% Generic
  • 75% Multifamily
Other
  • Nationwide Platform
  • 6 months minimum interest
  • Full or partial recourse to borrower
  • Interest reserves if no in-place cash flow available
  • No dark buildings, land deals or ground up construction

Featured Project

Mixed Use Development Loan

Hollywood, FL
$6,000,000