Rates Starting at


Roc Capital Makes Portfolio 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


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)


Non Recourse with 'bad-boy' carveouts and 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

660 (for portfolios at or under $2MM and 10 properties)

All other portfolios: 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



Minimum debt service coverage ratio (net cash flow/debt service)

For portfolios with ≤ $2MM AND ≤ 10 properties: 1.10x (Gross Rent/PITIA)

For all other portfolios: 1.20x (Net Cash Flow/Debt Service)

Vacancy Minimum

Min. 90% occupancy rate by unit count

Rural Properties

Not permitted

Foreign Nationals

Eligible at maximum 65% LTV

Minimum Loan Amount

$250K - $50MM

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.

Fund portfolios of all shapes and sizes

By funding portfolios of $250K 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.



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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Our relationship managers will get your deals funded fast!

Grow your private lending business today!