Multifamily Term

Rates Starting at


Roc Capital Makes Multifamily Term Loans Easy

Roc Capital Multifamily Term loans provide you with a reliable funding source for landlords, multifamily investors and property managers looking for long-term financing for properties with 5 to 10 units.

Multifamily Term Terms

Maximum Loan To Cost

If owned < 3 months, 70% of Total Cost Basis

If owned between 3-6 months, additional 5% haircut on Max Eligible LTV

Maximum Loan To As-is Value (subject To Minimum Fico)

Purchase/Rate-Term Refinance: 70%

Cashout Refinance: 70%

Minimum Guarantor Fico

Mid-Score of 680


Full Recourse or Non Recourse with bad-boy carveouts and Pledge of Equity

Loan Types

30-Year Fixed Rate Mortgage, OR

5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)

Loan Amount

$250,000 - $3,000,000

Term Length

30 Years

Property Types

5-8 Unit Residential Properties

Minimum Debt Service Coverage Ratio (net Cash Flow/debt Service)

1.20x - 1.40x, based on subject market classification (Top, Standard, Small, Very Small)

Lease Requirements

Minimum Occupancy Rate of 90% by Unit Count

Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent

Unleased Units: 90% of Market Rent (Purchase Loans only)

Attractive alternative to traditional bank and agency financing

Competitive rates, 30-45 day closing timelines and easy seasoning requirements.

Common sense underwriting

No tax returns or borrower income information required, up to 70% LTV with cashout, easy step down prepayment penalty options.

Funding for mixed use properties, including singles and portfolios

We fund residential properties with commercial units if the residential square footage is greater than 50% of the leasable area. You can combine multifamily term properties into portfolios with single property rentals and other multifamily properties.



US states


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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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!