Overview
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
ROC Capital is based in New York, NY and was founded in 2014. They operate nationally and offer fix-and-flip, BRRRR, rental, bridge, new-construction financing. Their loan amount range runs from $75K to $5.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Geographic coverage | National |
| Loan size | $75K – $5.0M |
| Interest rate range | 9.5% – 12% |
| Origination points | 1 – 3 |
| Max LTV | 80% of ARV |
| Max LTC | 90% of cost |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
Strengths
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower
Mid-to-experienced investor
How ROC Capital compares for Chicago investors
For Chicago metro investors specifically, ROC Capital operates as one of multiple national options — competitive on broad product menus but local Chicago lenders sometimes win on relationship and close speed. As an institutional non-QM lender, their underwriting is templated and predictable — fast for experienced borrowers, less flexible for non-standard deals.
Common alternatives in Chicago
- Renovo Financial — Chicago-based, deepest local knowledge
- Kiavi — Tech-forward national leader
- Lima One Capital — Broad product suite, BRRRR-friendly
- Easy Street Capital — STR-DSCR specialist
ROC Capital FAQ
Yes — ROC Capital operates nationally and regularly funds Chicago-area deals
ROC Capital's indicative rate range is 9.5%–12% with 1–3 points. Pricing depends primarily on funded-deals history, deal leverage, and exit certainty.
ROC Capital's typical minimum loan is $75K, with maximum loan size up to $5.0M.
ROC Capital's typical close timeline is 10-21 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
ROC Capital offers fix-and-flip, BRRRR, rental, bridge, new-construction financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Mid-to-experienced investor
This review is an independent directory listing. Hard Money Chicago is not affiliated with ROC Capital. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.