Lima One Capital vs Roc Capital
Lima One has the broader product range — ground-up construction, multifamily, and foreign national programs — and works with newer investors at a 660 credit floor. Roc Capital accepts lower credit (620) and prices competitively for volume borrowers, but its platform is less polished. Choose Lima One for construction or multifamily; Roc if your credit is tighter.
Shared products: Fix & Flip, Bridge, DSCR · Updated March 2026
4.3
Lima One Capital
Wins 4 categories
3.9
Roc Capital
Wins 1 categories
Full Comparison
| Feature | Lima One Capital | Roc Capital |
|---|---|---|
| Interest Rates | 7%–12.5% | 7%–12% |
| Max LTV | 80% | 80% |
| Min Credit Score | 660 | 620Better |
| Loan Range | $75K–$5M | $75K–$5M |
| Origination Fee | 1.5–3 points | 1–3 points |
| Speed to Close | 14–21 days | 10–21 days |
| Experience Required | No experience required | No experience required |
| LLC Borrowing | Yes | Yes |
| Interest-Only | Available | Available |
| Prepayment Penalty | 3-2-1 step-down (DSCR) | 3-year step-down (DSCR) |
| Foreign National | YesBetter | No |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Multifamily (5+), Mixed Use, Condo, Townhouse, New ConstructionBetter | SFR (1-4), Multifamily (5+), Condo, Townhouse |
| Loan Products | 5 productsBetter | 4 products |
| Founded | 2010 | 2014 |
| Editor Rating | 4.3 / 5.0Better | 3.9 / 5.0 |
Pros & Cons
Lima One Capital
Pros
- +Broadest product range — flips, DSCR, construction, and multifamily
- +Works with first-time investors
- +Ground-up construction financing available
- +Foreign national programs
- +Multifamily up to 5+ units
Cons
- –Slightly higher rates than Kiavi for experienced borrowers
- –Origination fees on the higher end (1.5–3 points)
- –Draw process for construction can be slow
Roc Capital
Pros
- +Broad product range — hard money through DSCR
- +Low credit minimum (620)
- +Competitive pricing for volume borrowers
- +High max loan amount ($5M)
- +Nationwide coverage
Cons
- –Origination fees vary widely (1–3 points)
- –Less brand recognition than Kiavi or Lima One
- –Technology platform less polished than top-tier competitors
Frequently Asked Questions
Is Lima One Capital or Roc Capital better for real estate investors?
Lima One has the broader product range — ground-up construction, multifamily, and foreign national programs — and works with newer investors at a 660 credit floor. Roc Capital accepts lower credit (620) and prices competitively for volume borrowers, but its platform is less polished. Choose Lima One for construction or multifamily; Roc if your credit is tighter.
What loan types do Lima One Capital and Roc Capital both offer?
Both lenders offer Fix & Flip, Bridge, DSCR. Lima One Capital offers 5 total products vs Roc Capital's 4.
Which has lower rates, Lima One Capital or Roc Capital?
Lima One Capital advertises rates starting at 7% while Roc Capital starts at 7%. Both have the same starting rate, but actual rates depend on your credit score, LTV, property type, and loan product. Always get quotes from both lenders.
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