Roc Capital
645 Madison Avenue, 19th floor, New York, NY 10022
https://roccapital.com/
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Total loans closed with Loan Factory
17,896
Total loans closed with Loan Factory (past 12 months)
14,508
Lender overview
Basic information
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Lock policies & Fees
Lock Policies
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Lender's niche & Overlays
DSCR OVERLAY
Experienced investors w/credit >700, eleigible up to 75% Cash out
BRIDGE OVERLAY
Ground Up Construction- No First timers, unless the borrower has heavy/extensive rehab experience. Credit >=680
Stabilized Bridge: Up to 75% for good credit, tier 3 borrowers, non luxury property
Fix and Flip Credit >660, lower credit subject to additional interest brought to close. >720 first timer eligible up to 85%
| Experience | Tier 1 | Tier 2 | Tier 3 | Tier 4 | Tier 5 |
| Experience Req | 0 | 1-2 properties | 3-4 | 5-9 | 10+ |
| Light | Y | Y | Y | Y | Y |
| Moderate | Y | Y | Y | Y | |
| Heavy | Y | Y | Y | Y | |
| Extensive | Y | Y | Y | ||
| Max LTC | 75% up to 85% | 80% | 85% | 90% | 90% |
| Max ARLTV | 70% | 70% | 75% | 75% | 75% |
Lender turn time
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