Roc Capital Review
Founded 2014 · New York, NY · Nationwide
3.9
Editor Rating
Roc Capital (Roc360) is a nationwide hard money and DSCR lender providing fix-and-flip, bridge, and rental loans for real estate investors. Known for a wide product suite and competitive pricing.
Editor's Take
Roc Capital is a solid all-around investor lender with competitive pricing and broad product availability. They're a good option to get a competing quote when evaluating loans from Kiavi, Lima One, or RCN Capital. Their 620 credit minimum for DSCR makes them accessible for borrowers with credit challenges.
— Bill Rice, 30+ year mortgage lending veteran
Pros & Cons
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
Loan Products Offered
Eligible Property Types
Best For
Disclaimer: Rates, terms, and requirements shown are approximate and based on publicly available information as of March 2026. Actual terms may vary based on your credit profile, property details, and market conditions. Always verify current terms directly with the lender before making financing decisions. ProInvestorHub provides editorial reviews for educational purposes and does not guarantee loan approval or specific terms.