GROUND UP

Rates Starting at

10.25%*

Roc Capital Makes Bridge Loans Easy

Roc Capital Ground Up loans provide you with a reliable funding source for your customers to build new 1-4 family houses.

Ground Up Program

Maximum Loan To Cost

Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction

Max 85% of total project costs

LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing

Maximum Loan To Arv

Up to 70%

Recourse

Full Recourse

Reserves/Escrows

Interest Reserve:

Minimum 1 month

Experience

Previous real estate experience required: 1-2 Ground ups

GCs if experience if permits tie to Ground ups

Guarantors with no experience permitted on a case by case basis

Loan Amount

Min: $50,000

Max: $5,000,000

Term Length

12 months, Up to 18 at Lender Discretion

Property Count

Min: 1

Max: 2

Permitted Property Types

Eligible:

Non-owner Occupied 1-4 unit residential

Townhomes

Condos

Ineligible:

Mixed use properties

5+ unit multifamily properties

Condotels

Co-ops / TICs

Commercial Property

Log Homes

Properties Subject to Oil and/or Gas Leases

Operating Farms, Ranches, or Orchards

Vacation or Seasonal Rentals

Rural properties

Experienced Developer Program (3+ Similar Past Projects)

Maximum Loan To Cost

Up to 75% of the lower of land value or purchase price/60% if unpermitted, plus 100% of construction

Max 90% of total project costs

LTC Catch Up Draw to raise initial advance to 75% at approval of required plans/permits post-closing

Maximum Loan To Arv

Up to 70%

Recourse

Full Recourse

Reserves/Escrows

Interest Reserve:

Minimum 1 month

Minimum 6 months full boat IR funded with initial loan amount for 90% LTC loans

Experience

Previous real estate experience required: 3+ similar Ground-up builds + heavy rehabs with expansion. Professional deveopment / builder.

Guarantors with no experience permitted with experienced guarantor that meets the above experience criteria

Loan Amount

Min: $50,000

Max: $5,000,000

Term Length

12 months, Up to 24 at Lender Discretion

Property Count

Min: 1

Max: 10

Permitted Property Types

Eligible:

Non-owner Occupied 1-4 unit residential

Townhomes

Condos

Ineligible:

Mixed use properties

5+ unit multifamily properties

Condotels

Co-ops / TICs

Commercial Property

Log Homes

Properties Subject to Oil and/or Gas Leases

Operating Farms, Ranches, or Orchards

Vacation or Seasonal Rentals

Rural properties

4.0
K+

lenders

44

US states

$
10.0
B+

in funded loans

Loans for Professional Residential Real Estate Investors

Working with Roc Capital is as easy as 1-2-3

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Sign Up

After you receive your login, you will be able to submit deals directly through our online portal.

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Onboard

Quick approval while you’re already submitting deals.
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We fund your deals

Our relationship managers will get your deals funded fast!

Grow your private lending business today!