Single Property Rentals

Roc Capital Makes Rental 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

  • Property Types

    Single Family/2-4 Unit/Townhomes/PUD/ Warrantable Condos

  • Loan Amount

    $75,000 - $2,000,000

  • Loan Types

    30-Year Fixed Rate Mortgage (Fully Amortizing)
    5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)

  • Recourse

    Full Recourse Only

  • Term Length

    30 Years

  • Maximum Loan to Cost

    If Owned less than 3 months: 80% of Total Cost Basis
    If Owned between 3 and 6 months: additional 5% haircut on Max Eligible LTV

  • Maximum Loan to As-Is Value (subject to minimum FICO)

    Purchase/Rate-Term Refinance: 80%
    Cashout Refinance: 75%

  • Minimum Debt Service Coverage Ratio

    1.00x (Gross Rent/PITIA)

  • Minimum Guarantor FICO

    Mid-Score of 660

  • Lease Requirements

    Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent
    Unleased Units: 90% of Market Rent (Purchase Loans only)

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.


Roc Capital’s Single-Family Rental program covers single-family homes, rental properties with 1-4 units as well as townhomes, planned unit developments (PUDs), and warrantable condominiums.
Roc Capital provides loans from as little as $75,000 to $2 million through the Single-Family Rental Program. With rates as low as 4.49% and a term length of 30 years, the Single-Family Rental Program provides simple long-term funding for rental properties.
Roc Capital offers 30-year fixed-rate mortgages as well as 5/1, 7/1, and 10/1 hybrid adjustable-rate mortgages to get the funding you need, the way you and your borrowers want it.



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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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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!