Wholesale DSCR & Non-QM Aggregator · Institutional Table-Funding & Wholesale Shelf

Roc Capital (Roc360) — 2026 Credit Box, DSCR Rates & Underwriting Guidelines

Roc Capital is one of the largest institutional capital providers in the business-purpose residential lending space, supplying wholesale TPO and table-funded liquidity across DSCR rental, RTL fix-and-flip, and ground-up construction.

2026 Rate Band
6.375% – 8.625%
Max Purchase LTV
80% DSCR / 85% RTL LTC
Max Cash-Out LTV
75% DSCR
Min DSCR / FICO
0.85x – 1.20x · 640+
Wholesale Credit-Box Comparison · Loan Daddy LLC (NMLS #2827624)

Shop Roc Capital (Roc360) Against 45+ Wholesale DSCR & Bridge Shelves

Submit one scenario to Stephen R. Mannenbach, J.D., MBA (NMLS #2549621) at Loan Daddy LLC to benchmark Roc Capital (Roc360) against 45+ institutional wholesale DSCR, Non-QM, and RTL bridge lenders with a single soft credit pull.

Roc Capital (Roc360) — Institutional Underwriting Matrix

Headquarters & FootprintNew York, NY
Loan Amount Range$100,000 – $5,000,000
Typical Closing Window12 – 18 Business Days
Prepayment Penalty Options5/4/3/2/1, 3/2/1, 1-Yr, No-PPP
Eligible Entity VestingLLC, LP, S-Corp
Core Program Specialties
  • Wholesale TPO DSCR
  • RTL Fix & Flip
  • 5–10 Unit Multifamily DSCR
  • Ground-Up Infill Construction

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Roc Capital (Roc360) — 2026 DSCR, LTV & Credit-Box Review | HardMoney.bot — Instant LTC/ARV Fix-and-Flip Underwriting & 24-Hour Bridge Term Sheets