Rates Starting at


Roc Capital Makes Rental 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

5-8 unit multifamily

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.


The Rental Portfolio Loan program provides long-term financing for property investors who are looking to fund between 5-20 properties in their portfolio.
Our flexible Rental Portfolio loans provide the financing investors need for a variety of different projects. With flexible terms between 5 and 30 years and up to $50 million in funding, the Roc Capital Portfolio program is tailored to each individual for a seamless experience.
Roc Capital’s Rental Portfolio program is a common-sense option for the long-term financing you need. We’re here to help you, and that’s why we offer flexible term lengths and funding options to keep you moving.



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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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!