Roc Capital: published loan terms
Roc Capital publishes terms for fix and flip, bridge, ground-up construction, DSCR rental and rental portfolio loans. It lends through mortgage brokers rather than directly to investors. Its fix-and-flip rates start at 8.25% and its DSCR rental rates at 5.39%, as advertised on its website on October 24, 2026.
Fix-and-flip terms
| Starting rate | Rates Starting at 8.25%* |
|---|---|
| Loan to purchase / cost | Up to 90% LTC |
| Rehab funded | Up to 100% of rehab budget |
| Cap on after-repair value | Up to 75% ARLTV |
| Points | Not published |
| Term | 12 months standard; 18 month option case-by-case |
| Minimum credit score | Not published |
| Experience | NO prior experience required |
On the calculator's example flip, with the loan sized the way the calculator sizes it ($244,000 over 6 months), interest alone at Roc Capital's advertised starting rate of 8.25% would be about $8,931, against $11,366 at the example's 10.5%. Roc Capital doesn't publish its points, so they aren't compared here. Your rate depends on experience, credit, loan size and the property; the starting rate is a floor, not a quote.
DSCR rental terms
| Starting rate | Rates Starting at 5.39%* |
|---|---|
| Purchase / rate-and-term LTV | Up to 80% on purchase and rate & term |
| Cash-out LTV | Up to 75% on cash-out |
| Minimum DSCR | 1.05x (Gross Rent/PITIA) |
| Minimum credit score | 660 |
| Loan size | $75k to $2MM |
| Terms | Fixed and adjustable rate options; fully amortizing and Partial Interest Only options; 30 years |
Where Roc Capital lends
**At this time, we are unable to lend in North Dakota, South Dakota, and Vermont.
Loan size
$50K (fix and flip) to $3MM (fix and flip), as published.
Other details from its website
Roc Capital markets to originators/brokers ('provide a reliable funding source for your borrowers'); borrowers would reach it through a broker. Full recourse only; entity required; rental: if owned < 3 months, 80% of total cost basis.
Licensing disclosure
'©2026 Roc Capital is part of the Roc360 family of companies.' No license numbers in the static text of the pages read (CIVIC pages carry the Roc360 affiliate license list).
Source
Read on 2026-10-24 from roccapital.com. The pages show no as-of date. Terms change often. Fix and Flip Loans is not affiliated with Roc Capital, and Roc Capital did not review this page.
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