## Resource Library

### [Melissa Deal’s Panel Recap At IMN SFR East Conference](https://roccapital.com/resource/melissa-deals-panel-recap-at-imn-sfr-east-conference)

What’s driving success in today’s fix-and-flip market? Roc Capital’s Head of Sales, Melissa Deal, breaks down the key risks, opportunities, and market trends discussed during the “Fix & Flip Overview” panel at this past IMN SFR East conference.

### [How Nonbank Lenders Are Rewriting Real Estate’s Playbook](https://roccapital.com/resource/how-nonbank-lenders-are-rewriting-real-estates-playbook)

In just a decade, the real estate finance landscape has shifted more dramatically than in the previous fifty years. Today, the most influential players in investment lending are not banks bound by rigid underwriting, legacy systems, and regulatory inertia. Instead, nonbank private credit lenders—backed by institutional capital and powered by technology—are transforming the way deals […]

### [Private Credit Steps In as Banks Step Back](https://roccapital.com/resource/private-credit-steps-in-as-banks-step-back)

For decades, traditional banks dominated the real estate lending landscape. Their balance sheets, branch networks, and brand recognition made them the go-to capital source for residential and commercial investors alike. But over the past several years, and especially since 2022, the rules have changed. Regulatory tightening, liquidity pressures, and shifting capital requirements have constrained banks’ […]

### [How Migration Is Reshaping Real Estate Financing](https://roccapital.com/resource/how-migration-is-reshaping-real-estate-financing)

In real estate, movement drives momentum. When people move, capital follows—and where both go, opportunity multiplies. Over the past five years, demographic and migration trends have redrawn the U.S. real estate map. Shifts in population, job growth, and affordability are reshaping where investors build, where lenders deploy capital, and where new markets are rising fastest. […]

### [How Technology and AI Are Transforming Real Estate Underwriting](https://roccapital.com/resource/how-technology-and-ai-are-transforming-real-estate-underwriting)

For decades, real estate underwriting has remained largely unchanged: stacks of spreadsheets, long email threads, and a time-consuming, manual process that often slows the entire deal cycle. But in 2025, that’s no longer good enough. Investors, lenders, and originators are now operating in a digital environment where speed, accuracy, and real-time decision-making define success. In […]

### [RTL & DSCR Market Insights](https://roccapital.com/resource/rtl-dscr-market-insights)

Panel Recap: The State of the DSCR & RTL Market: What’s Changed and What’s Next? IMN RTL & DSCR Conference | Aventura, FL At the IMN RTL & DSCR Conference in Aventura, FL, Roc Capital Co-Founder, Eric Abramovich joined a panel of industry leaders from private lending, asset management, and credit rating agencies to discuss […]

### [Inside Roc Capital’s High FICO Fix & Flip Program](https://roccapital.com/resource/inside-roc-capitals-high-fico-fix-flip-program)

For many new real estate investors, the biggest hurdle isn’t finding a property or knowing what renovations to make—it’s accessing the right financing. Traditional lenders are often unwilling to take a chance on inexperienced flippers, even if they have strong credit and the right deal lined up. At Roc Capital, we believe new investors deserve […]

### [Closing Deals in a Tight Market: A Guide for Originators and Private Lenders](https://roccapital.com/resource/closing-deals-in-a-tight-market-a-guide-for-originators-and-private-lenders)

In today’s real estate environment, closing deals isn’t as straightforward as it once was. Rising rates, tighter bank underwriting, and shifting market dynamics make it harder for traditional lenders to move quickly. Yet for originators and private lenders, this kind of environment is exactly where opportunity lies. By offering creative financing solutions, leveraging flexible programs, […]

### [Branding Equals Trust: Why It Matters for Private Lending Businesses](https://roccapital.com/resource/branding-equals-trust-why-it-matters-for-private-lending-businesses)

If you’re wondering how to start a private lending business and build trust among clients or potential clients, branding is a powerful and necessary tool for business success and growth. For private lending businesses, the ability to differentiate and build trust among consumers separates industry leaders from the rest. That is why unique and successful […]

### [Guiding Your Clients Beyond the Close: Property Management 101](https://roccapital.com/resource/guiding-your-clients-beyond-the-close-property-management-101)

The flexibility and affordability of renting have become an alluring option for real estate consumers in 2025. This phenomenon has created a surplus of first-time landlords. While these investors are poised to capitalize on the latest market trends, they often don’t know much about property management 101. As a third-party originator (TPO), your success hinges […]

### [Roc Capital: The Platform for Private Lending Growth](https://roccapital.com/resource/roc-capital-the-platform-for-private-lending-growth)

At Roc Capital, we enable private lenders with the capital, technology, and operational infrastructure needed to scale efficiently. Our Relationship Managers support originators and private lenders in growing within the evolving real estate investment landscape.

### [From Friends & Family to Institutional Capital: The Evolution of the Private Lending Industry](https://roccapital.com/resource/from-friends-family-to-institutional-capital-the-evolution-of-the-private-lending-industry)

While the private lending industry has been around for nearly a century, over the past two decades it has just begun to show its true potential. Following the 2008 financial crisis, traditional mortgage financing companies (banks and credit unions) have had their hands tied by new regulations, like the Dodd-Frank Act. These regulations have heightened […]

### [Funding a Borrower’s Deals Without a Bank: A Playbook for Private Capital Originators](https://roccapital.com/resource/funding-a-borrowers-deals-without-a-bank-a-playbook-for-private-capital-originators)

Following the 2008 housing crisis, borrowers have faced an uphill battle in obtaining financing through traditional lending avenues. Since that time, conventional lenders, like banks and credit unions, have adopted stricter policies and are subject to expanded governmental and institutional oversight. Thus, application timelines have increased, and approval ratings for traditional business loans have declined. […]

### [Snap Draws and Streamlined Loans: Innovative Necessities in Bridge Loan Funding](https://roccapital.com/resource/snap-draws-and-streamlined-loans-innovative-necessities-in-bridge-loan-funding)

In today’s fast-paced and competitive real estate investment market, private brokers are constantly looking for new ways to streamline loan origination and approval processes. This is particularly true for long- and short-term investor clients who rely on fast and flexible funding to succeed in fix and flip and new construction markets. Innovating operations and creating […]

### [Bridge Loans vs. Mortgages & Traditional Financing: What You Need to Know](https://roccapital.com/resource/bridge-loans-vs-mortgages-traditional-financing-what-you-need-to-know)

When it comes to financing options, real estate investors often weigh the pros and cons of bridge loans vs. mortgages and other traditional financing options. As a third-party originator (TPO), understanding the differences between each is essential to choosing the best choice for your investor clients. Below, we’ll discuss the differences between bridge lending and […]

### [The Future of Private Real Estate Lending: Trends Shaping Private Financing in 2025](https://roccapital.com/resource/the-future-of-private-real-estate-lending-trends-shaping-private-financing-in-2025)

Private real estate lending companies’ profitability and scalability depend on investors’ success. One way to ensure your clients “win” is by staying up-to-date on the latest emerging trends in the real estate industry. Understanding and relaying insights about regulatory shifts, consumer demands, and the newest technology shaping the market will give your clients an edge […]

### [How Recent Fed Decisions Impact Private Lenders and Their Real Estate Investors](https://roccapital.com/resource/how-recent-fed-decisions-impact-private-lenders-and-their-real-estate-investors)

At its December 2024 Fed meeting, the Federal Open Market Committee (FOMC) again cut its target interest rate by 0.25%, between 4.50 and 4.25%. These projections are a positive sign for Americans and the Fed, which is working to return inflation to its 2% objective and combat soaring home costs. However, even with a current […]

### [Real Estate Investing Strategies: The Best Time of Year for Clients to Invest](https://roccapital.com/resource/real-estate-investing-strategies-the-best-time-of-year-for-clients-to-invest)

As a third-party originator (TPO), understanding and formulating real estate investing strategies isn’t in your immediate job description. However, the ability to point clients in the right investment direction can help you forge profitable business relationships while enhancing your bottom line. With a new year comes new, green-eared investors eager to make their mark in […]

### [Top Real Estate Markets for Your Investor Clients to Enter in 2025](https://roccapital.com/resource/top-real-estate-markets-for-your-investor-clients-to-enter-in-2025)

For investor clients looking to grow a strong and profitable portfolio in 2025, identifying the best cities to invest in real estate is essential to success. As a third-party originator (TPO), you can form lasting and lucrative relationships by helping your clients understand the real estate investment landscape and pinpointing the top real estate markets […]

### [2025’s Top Real Estate Investment Conferences & Networking Events for Third-Party Originators](https://roccapital.com/resource/2025s-top-real-estate-investment-conferences-networking-events-for-third-party-originators)

Real estate investor conferences and networking events are powerful tools for industry professionals looking to enhance their business growth and profitability. This is especially true for third-party originators (TPOs). Taking advantage of and attending the top real estate investment conferences in the country helps TPOs: Access more opportunities: In an ideal world, the right investors […]

### [Maximizing Your Network: Tips for TPOs to Source High-Quality Real Estate Investment Leads](https://roccapital.com/resource/maximizing-your-network-tips-for-tpos-to-source-high-quality-real-estate-investment-leads)

Consistent, quality real estate investor leads are the cornerstone to business success and growth. Without them, even the most skilled third-party originator (TPO) can struggle to stay afloat. However, with all the latest technology in real estate and proven networking techniques available, real estate lead-generation ideas have never been more creative and abundant. Below, we’ll […]

### [How to Help Investor Clients Find the Right Real Estate Investment Market](https://roccapital.com/resource/how-to-help-investor-clients-find-the-right-real-estate-investment-market)

As a residential real estate broker, your job is to provide value to your investor clients. While capital is important, providing additional services to boost investors’ prospects and opportunities within the real estate investment market is how private brokers establish their brands and build lasting and profitable partnerships with clients. Below, we’ll discuss the latest […]

### [Table-Funding 101: White-Labeling for TPOs](https://roccapital.com/resource/table-funding-101-white-labeling-for-tpos)

The ability to say “yes” to borrowers is what separates successful–and profitable–mortgage brokerage firms from others. Over the years, consumer mortgages have gained greater governmental and institutional oversight, stricter guidelines, and heftier requirements. This has made it increasingly difficult for borrowers–especially real estate investors–to get loan approval. By contrast, the private lending industry for real […]

### [How Current Market Conditions Are Favoring DSCR Loans for LLC Real Estate Investors](https://roccapital.com/resource/how-current-market-conditions-are-favoring-dscr-loans-for-llc-real-estate-investors)

Establishing a limited liability company (LLC) for real estate investing protects investors from lawsuits and separates their business from their personal affairs. Unfortunately, having an LLC does little to help investors secure loans through traditional avenues, like banks and credit unions. That is why many investors have turned to debt service coverage ratio (DSCR) loans […]

### [Understanding DSCR Loans: Why Private Lenders Are The Key to Your Borrower’s Real Estate Strategy](https://roccapital.com/resource/understanding-dscr-loans-why-private-lenders-are-the-key-to-your-borrowers-real-estate-strategy)

For years, residential real estate investors have purchased investment properties in the name of limited liability companies (LLCs). By establishing an LLC, investors receive protection from lawsuits while keeping their investment business separate from their personal affairs. Historically, traditional avenues for securing loans, such as through banks and credit unions, were the best option for […]

### [Bank on Success: Private Lenders Enter the Fix and Flip Arena with Innovative Business Purpose Loan Options](https://roccapital.com/resource/bank-on-success-private-lenders-enter-the-fix-and-flip-arena-with-innovative-business-purpose-loan-options)

Over the last two decades, fix and flip investing has become one of the most widely recognized and profitable real estate investing strategies. For astute investors utilizing adequate fix and flip financing, renovation projects create avenues to quick turnaround, massive profits, and scalability. Private lenders wanting to enter the fix and flip arena will find […]

### [Evaluating Industry Dynamics and Investment Opportunities in Single-Family Rental Markets](https://roccapital.com/resource/evaluating-industry-dynamics-and-investment-opportunities-in-single-family-rental-markets)

In 2023, economic uncertainties and rising costs slowed the homebuying market. Although inflation and interest rates have stabilized in 2024, ushering consumers back to the market, U.S. housing affordability remains near an all-time low. This has driven many Americans to enter or remain within the single-family home rental market. While fix and flip investments remain […]

### [Elevate Your Mortgage Brokerage Business: How Mortgage Brokers Can Scale with Fix and Flip Financing](https://roccapital.com/resource/elevate-your-mortgage-brokerage-business-how-mortgage-brokers-can-scale-with-fix-and-flip-financing)

Growing a successful mortgage brokerage business requires sacrifice, investment, and an adequate amount of blood, sweat, and tears–regardless of which phase of scaling your mortgage brokerage is in (sole broker, sole broker + processor, boutique firm, or corporate firm). The 4 Phases of Mortgage Brokerage Growth Sole Broker: You’ve decided to venture out independently, with […]

### [The Case for Diversifying into Residential Investment Property Loans](https://roccapital.com/resource/the-case-for-diversifying-into-residential-investment-property-loans-2)

What’s a savvy originator to do in today’s market? If you’re a loan originator focused on owner-occupied consumer mortgages, you’re probably experiencing a bit of nostalgia for the strong refinance activity that drove origination volumes sky-high in 2020 and 2021. Low interest rates and a housing frenzy led to unprecedented profitability in mortgage origination in […]

### [Financing Untapped Equity in Properties Owned by Non-professional Real Estate Investors](https://roccapital.com/resource/financing-untapped-equity-in-properties-owned-by-non-professional-real-estate-investors)

Speaking at Information Management Network (IMN)’s Single Family Rental (East) Forum in Miami recently, Ranajoy Sarkar, our Chief Product and Credit Officer, pointed out that the recent rate increases have caused a drop-off in cash-out refi activity from the most active rental investors, demonstrating the price elasticity of demand for that segment of the market. […]

### [A Bridge Over Troubled Waters](https://roccapital.com/resource/a-bridge-over-troubled-waters)

Rates are unlikely to move lower any time soon Yes, we’re in the middle of a Fed tightening cycle, and many borrowers are stretching to adjust to this new environment. Financing rates are higher and more volatile than any time in recent memory, while the outlook on the housing market is more uncertain than it […]

### [Everything You Wanted to Know About Table Funding But Didn’t Know Whom to Ask](https://roccapital.com/resource/everything-you-wanted-to-know-about-table-funding-but-didnt-know-whom-to-ask)

Eric Abramovich, Roc Capital Co-Founder and Chief Credit Officer, takes us on a journey of table funding — its history, how it works, and its role in bringing institutional capital to the “Wild West” world of private lending in real estate investing.

### [Looking Back at 2021, Looking Forward to 2022](https://roccapital.com/resource/looking-back-at-2021-looking-forward-to-2022)

Eric Abramovich, Roc Capital Co-Founder and Chief Credit Officer, looks back at 2021 and shares his thoughts on what we might expect in 2022.

### [How Roc Capital Makes Loan Originations Fast, Easy, and Efficient](https://roccapital.com/resource/how-roc-capital-makes-loan-originations-fast-easy-and-efficient)

Roc Capital is uniquely positioned to be your trusted partner, especially in this rising rate market, thanks to our wide range of products, customer-friendly processes, a comprehensive suite of services ranging from white label table funding to full back office support and a full technology suite.

### [The Private Lending Market Today: Cautious but Optimistic](https://roccapital.com/resource/the-private-lending-market-today-cautious-but-optimistic)

Despite today’s macroeconomic conditions, the mood in private lending is cautious but still optimistic, says Roc Capital’s Adam Gottfried. A key reason: the fundamentals of real estate have never been stronger.

## Our Team

### [Neil Agarwal](https://roccapital.com/neil-agarwal)

A native New Yorker with roots in the theater industry, Neil earned his MBA in Finance and International Business from Tulane University. He is solution oriented, attentive, and enjoys developing deep relationships with his clients. He focuses on bridge, fix and flip, and rental term loans. Are you a private lender or third-party originator looking to win new borrowers? As Neil Agarwal, Relationship Manager at Roc Capital, explains, our High FICO Program helps your first-time investors and flipp

### [KB Collins](https://roccapital.com/kb-collins)

At Roc Capital, KB works closely with TPOs, brokers, and lenders to provide reliable, structured capital solutions tailored for sustainable, long-term growth. His experience in origination, underwriting, servicing, and capital markets allows him to guide loans through the full life cycle that TPOs, brokers, and lenders rely on. His background includes private equity, correspondent and wholesale channel development, debt and credit structuring, capital markets, and enterprise risk management. Lic

### [Vincent D’Amore](https://roccapital.com/vincent-damore)

Roc Capital provides short-term Fix & Flip, Bridge, and Construction loans, as well as long-term Single & Portfolio Rental loans to residential real estate investors across the country, helping our clients overcome traditional financing hurdles and build long-term wealth through real estate investment.

### [Evan Hakimi](https://roccapital.com/evan-hakimi)

Evan is responsible for originating and structuring loans for the following products: Fix & Flip, Ground-up, Stabilized SFR Portfolios, and Multifamily Bridge. Evan joined Roc Capital in 2019 and has closed over $4bn in loans through third party originators, mortgage brokers, and borrowers. Prior to Roc Capital, Evan worked at Morgan Stanley’s Commercial Real Estate Finance (CREF) Group and JP Morgan’s Commercial Term Lending Group. Evan is a graduate of NYU Stern School of Business and has a de

### [Jon Kelly](https://roccapital.com/jon-kelly)

At Roc Capital, we manage every aspect of the lending process in-house, delivering speed, efficiency, and reliability for our clients. For Relationship Manager Jon Kelly , success is built on one principle: working hard to serve his clients and being their strongest advocate. Discover how Roc Capital can help you grow and scale your private lending business. Roc Capital provides short-term Fix & Flip, Bridge, and Construction loans, as well as long-term Single & Portfolio Rental loans to residen

### [Alan Medvinsky](https://roccapital.com/alan-medvinsky)

With expertise in finance, investment, development, marketing, and asset management, Alan thrives in navigating complex markets and establishing strong client relationships. In his current role, Alan acts as a dedicated point of contact, providing personalized service and tailored solutions that align with clients’ goals. From acquiring and retaining clients to monitoring the origination pipeline and offering valuable insights, he strives to deliver exceptional service, seamless communication, a

### [Noah Tanenbaum](https://roccapital.com/noah-tanenbaum)



### [David Tyrnauer](https://roccapital.com/david-tyrnauer)

Roc Capital provides short-term Fix & Flip, Bridge, and Construction loans, as well as long-term Single & Portfolio Rental loans to residential real estate investors across the country, helping our clients overcome traditional financing hurdles and build long-term wealth through real estate investment.

### [Warren Vincentz](https://roccapital.com/warren-vincentz)

With over a decade of experience working directly with clients, Warren Vincentz understands the value of strong relationships and responsive service. He brings that same approach to helping Roc Capital’s lending partners navigate DSCR, ground-up construction, and fix-and-flip financing for their borrowers. Whether you’re working through a time-sensitive deal or comparing the best ski spots on the East Coast, Warren is always available for a call.

### [Michael Walden](https://roccapital.com/michael-walden)

Looking for ways to attract more first-time investors? As Michael Walden, Relationship Manager at Roc Capital, shares, our High FICO Program opens the door for TPOs to reach an entirely new borrower profile: the first-time flipper. Think creditworthy professionals, people you meet every day, now ready to take on their first project. With Roc Capital’s competitive terms and high leverage, you can confidently bring these new clients into the Fix & Flip market and build lasting relationships from t

### [Christopher Wilcsinszky](https://roccapital.com/christopher-wilcsinszky)

Chris recently joined Roc Capital bringing over two decades of mortgage and real estate finance expertise to the team. He launched his career in 2002 as a Wholesale Account Executive for a conventional lender in the San Francisco Bay Area. After relocating to Arizona, Chris transitioned into commercial lending, specializing in ground-up construction and renovation financing. Today, he leverages his extensive industry background to help clients secure optimal funding solutions. Outside of the off

### [Melissa Deal](https://roccapital.com/melissa-deal)

Roc Capital provides short-term Fix & Flip, Bridge, and Construction loans, as well as long-term Single & Portfolio Rental loans to residential real estate investors across the country, helping our clients overcome traditional financing hurdles and build long-term wealth through real estate investment.

## Services

### [360 Experience](https://roccapital.com/360-experience)

Roc Capital’s platform is fully integrated, offering property insurance, appraisals, and preferred pricing at national home improvement retailers to help streamline the loan funding process and offer benefits to your borrowers.

### [Concierge Service](https://roccapital.com/concierge-service)

Our success has always been built on mutual respect and long-term professional relationships. You will always get timely, personal responses to any question. Our commitment is to pair the industry’s best funding platform with unmatched white-glove service so you have all you need to create long-term growth.

### [Full Technology Suite](https://roccapital.com/full-technology-suite)

Price and submit a deal and get informed instantly of the status.

### [Full Back Office Support](https://roccapital.com/full-back-office-support)

From underwriting, closing, and funding to loan servicing, Roc Capital’s platform massively increases your business operations capacity, enabling you to become a lending powerhouse. We are with you whenever you need us.

### [White Label Table Funding](https://roccapital.com/white-label-table-funding)

We fund your borrower at the closing table and in your entity name so you can focus more on originating and less on raising capital. Our white-label table funding enables you to lend without risk of loan buybacks and without your clients knowing that Roc Capital is providing the capital.

## Products

### [Rental Portfolio](https://roccapital.com/rental-portfolios)

Roc Capital® Rental Portfolio loans provide you with a reliable funding source for your landlords against a collection of 1-4 family houses.

### [Single Property Rental](https://roccapital.com/single-property-rentals)

Roc Capital ® Single Property Rental loans provide you with a reliable funding source for your landlords against cash flowing 1-4 family houses.

### [Stabilized Bridge](https://roccapital.com/stabilized-bridge)

Roc Capital’s newest loan product, Stabilized Bridge, provides short term financing to your borrowers on rent-ready properties with no planned renovations.

### [Ground Up](https://roccapital.com/ground-up)

Roc Capital’s Ground Up Construction loans enable you to provide your borrowers with flexible and competitive terms to build 1-4 unit homes.

### [Fix and Flip](https://roccapital.com/fix-and-flip)

Roc Capital®’s flagship product is offered to you through the industry’s most advanced table funding platform. Our Fix and Flip loans provide you with a reliable funding source for your borrowers to purchase, renovate, and rent/sell homes consisting of 1-4 units.