RENTAL PORTFOLIOS

Roc Capital Makes Rental Loans Easy

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

Rental Portfolios Terms

  • Property Types

    Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos
    5-8 Unit Properties allowed up to 15% of Loan Amount

  • Loan Amount

    $150,000 - $50,000,000

  • Loan Types

    30-Year term, Fixed Rate Mortgage (Fully Amortizing)
    5/6, 7/6, 10/6 Hyrbid ARMs (Partial IO or Fully Amortizing)

  • Recourse

    Non Recourse with bad-boy carveouts and Pledge of Equity of Borrowing Entity

  • MAXIMUM LOAN TO COST

    If Owned less than 3 months: 80% of Total Cost Basis
    If Owned between 3 and 6 months: additional 5% haircut on Max Eligible LTV

  • MAXIMUM LOAN TO AS-IS VALUE (SUBJECT TO MINIMUM FICO)

    Purchase/Rate-Term Refinance: 80%
    Cashout Refinance: 75%

  • MINIMUM DEBT SERVICE COVERAGE RATIO

    1.20x (Net Cash Flow/Debt Service)

  • TERM LENGTH

    5, 10, and & 30 Years

  • Minimum Guarantor FICO

    Mid-Score of 680

  • 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)

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.

Fund portfolios of all shapes and sizes

By funding portfolios of $150K to over $50MM, Roc Capital lets you accommodate all real estate investors, from “mom-and-pop” investors that own fewer than 5 properties to institutional buyers with 500+ property portfolios.

FAQs

The Rental Portfolio Loan program provides long-term financing for property investors who are looking to fund between 5-20 properties in their portfolio.
Our flexible Rental Portfolio loans provide the financing investors need for a variety of different projects. With flexible terms between 5 and 30 years and up to $50 million in funding, the Roc Capital Portfolio program is tailored to each individual for a seamless experience.
Roc Capital’s Rental Portfolio program is a common-sense option for the long-term financing you need. We’re here to help you, and that’s why we offer flexible term lengths and funding options to keep you moving.
4.0
K+

lenders

0

US states

$
5.0
B+

in funded loans

Loans for Professional Residential Real Estate Investors

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

Proiect nou1

Sign Up

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

Proiect nou2

Onboard

Quick approval while you’re already submitting deals.
Proiect nou3

We fund your deals

Our relationship managers will get your deals funded fast!

Grow your private lending business today!