Single Property Rentals

Rates Starting at


Roc Capital Makes Term Loans Easy

Roc Capital Single Property Rental loans provide you with a reliable funding source for your landlords against cash flowing 1-4 family houses.

Single Property Rental Terms


30-year fixed, arm options available


Full recourse only

Loan Types

30-Year fixed rate mortgage (Fully Amortizing)

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


not required

Loan Purpose

Purchase, rate-term refinance, or cash-out of a single rental property

Minimum Fico


Borrower Type

Entity required

Interest Rate

call for quote

Property Types

Single Family Residences (SFR)

2-4 unit properties

Warrantable condos



Vacancy Maximum

purchases only or leased within 30 days

Rural Properties

not permitted

Foreign Nationals

not allowed from ineligible country list

Lease Requirements

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

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

Maximum Loan To Cost

If Owned < 3 months, 80% of Total Cost Basis

Minimum Loan Amount

$75k - $2.5mm

Maximum loan-to-value (ltv)

up to 80% on purchase and rate & term. Up to 75% on cash-out

Property Or Unit Acquisition Minimum

1 property per loan

Minimum Debt Service Coverage Ratio (Gross Rent/Pitia)


Seasoning Requirement (To use value vs. Cost basis)

180 days

Quick and easy

Generate term sheets fast with an automated loan pricer.

Borrower-friendly loan options

Fixed rate and hybrid ARMs, up to 10-year IO periods, easy step down prepayment penalty options.

Flexible rates and terms

With common-sense underwriting and concierge service from our team of experts, you will always offer your clients the loan that works best for them.



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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Sign Up

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

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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!