RENTAL PORTFOLIOS
Rates Starting at
5.4%*
Roc Capital Makes Portfolio Loans Easy
Rental Portfolios Terms
Term | 30-Year term, Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing) |
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) |
Recourse | Full Recourse with Pledge of Equity of Borrowing Entity |
Loan Purpose | Blanket loan for purchase, rate-term refinance, or cash-out of a portfolio of rental properties |
Minimum Fico | 680 |
Borrower Type | Entity required |
Interest Rate | Call for quote |
Property Type | Non-Owner Occupied: Single Family Residences (SFR) 2-4 unit properties Warrantable condos Townhomes PUD |
Minimum debt service coverage ratio (net cash flow/debt service) | 1.20x |
Vacancy Minimum | Min. 90% occupancy rate by unit count |
Rural Properties | Not permitted |
Foreign Nationals | Eligible at maximum 65% LTV |
Loan Amount | Minimum Property Value: $100K Maximum Loan Amount: $2MM |
Property Restrictions | No vacation or seasonal rentals |
Maximum Loan-To-Value (Ltv) | Up to 80% on purchase and refi. Up to 75% on cash-out |
Seasoning Requirement (To Use Value Vs. Cost Basis) | 180 days |
The widest range of terms and options
5, 10, and 30-year term, fixed rate or hybrid ARMs, partial IO available, non-recourse.
Ultra competitive rates and leverage
Borrower-friendly rates and full leverage available 90 days post purchase with no further rent roll seasoning required.
Flexible funding for growing portfolios
lenders
US states
in funded loans
Working with Roc Capital is as
easy as 1-2-3
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