Lima One Capital vs. ROC Capital
A side-by-side on the fields both lenders publish, followed by a read on where they actually differ.
| Criteria | Lima One Capital Verified 17 Sep 2026 | |
|---|---|---|
| Type | hard money | hard money |
| Headquarters | Greenville, SC | New York, NY |
| Founded | 2010 | 2014 |
| Geographic focus | National | National |
| Products | fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size range | $75,000–$2,500,000 | $75,000–$5,000,000 |
| Max LTV | 80% | 80% |
| Max LTC | 92% | 90% |
| Terms | 6-24 months (hard money) / 30-year (rental) | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical | 10-21 days typical |
| Rate range | 7%–12% | 9.5%–12% |
| Points | 1–3 pts | 1–3 pts |
Where they actually differ
Lima One Capital also writes multi-family. A deal that specifically needs one of those only has one side of this comparison to go to.
Leverage: Lima One Capital tops out at 80% LTV / 92% LTC, against 80% / 90% at ROC Capital. More leverage means less cash to close and a thinner equity cushion — which side of that trade matters depends on how much cash the deal has to begin with.
Pricing: Lima One Capital quotes 7%–12% and 1–3 points; ROC Capital quotes 9.5%–12% and 1–3 points. Where a specific file lands inside either range depends on leverage, credit and property type.
Loan sizing runs $75,000–$2,500,000 at Lima One Capital and $75,000–$5,000,000 at ROC Capital — a gap that mostly matters at either end of the range.
Lima One Capital
A BRRRR or multi-family investor who wants the rehab-to-rental refinance and the long-term DSCR loan from a single lender, qualifying at a 1.00 DSCR across 46 states
ROC Capital
An investor who wants one lender to carry a BRRRR deal from rehab into the 30-year rental hold