InvestorPropertyLenders
(888) 899-8691 Match my deal

Compare lenders

Renovo Financial vs. ROC Capital

A side-by-side on the fields both lenders publish, followed by a read on where they actually differ.

Criteria
Renovo Financial
ROC Capital
Type hard money hard money
Headquarters Chicago, IL New York, NY
Founded 2011 2014
Geographic focus National, Midwest concentration National
Products fix-and-flip, BRRRR, new-construction, bridge, rental, multi-family fix-and-flip, BRRRR, rental, bridge, new-construction
Loan size range $100,000–$5,000,000 $75,000–$5,000,000
Max LTV 85% 80%
Max LTC 90% 90%
Terms 6-24 months (hard money) / 30-year (rental) 12-24 months (hard money) / 30-year (rental)
Typical close time 7-14 days typical 10-21 days typical
Rate range 9.5%–12.5% 9.5%–12%
Points 1–3 pts 1–3 pts

Neither side carries a published verification date on this site — the figures above are as stated by each lender, unconfirmed as of a specific date.

Where they actually differ

Renovo Financial also writes multi-family. A deal that specifically needs one of those only has one side of this comparison to go to.

Term structure differs too: Renovo Financial runs 6-24 months (hard money) / 30-year (rental); ROC Capital runs 12-24 months (hard money) / 30-year (rental).

Leverage: Renovo Financial tops out at 85% LTV / 90% 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.

Renovo Financial describes its footprint as "National, Midwest concentration"; ROC Capital as "National." Neither figure is a state count, so confirm direct licensing before assuming either covers a specific property.

Questions

Does one of these two write a loan product the other doesn't?
Renovo Financial also writes multi-family. A deal that specifically needs one of those only has one side of this comparison to go to.
Which offers more leverage, Renovo Financial or ROC Capital?
Renovo Financial tops out at 85% LTV / 90% 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.
Which publishes the lower rate range, Renovo Financial or ROC Capital?
Renovo Financial quotes 9.5%–12.5%; ROC Capital quotes 9.5%–12%. Where a specific file lands inside either range depends on leverage, credit and property type, so the published floor of one range beating the other's isn't the same as a guaranteed better price.
Which handles a larger loan, Renovo Financial or ROC Capital?
Renovo Financial runs $100,000–$5,000,000; ROC Capital runs $75,000–$5,000,000. That gap mostly matters at either end of the range.
Which closes faster, Renovo Financial or ROC Capital?
Renovo Financial quotes a 7-14 days typical close; ROC Capital quotes 10-21 days typical. On a competitive acquisition that gap can be the whole decision.

Renovo Financial

A BRRRR investor who wants one lender to carry a deal from acquisition and rehab through to the 30-year rental refinance, including multi-family properties

Lender profile

ROC Capital

An investor who wants one lender to carry a BRRRR deal from rehab into the 30-year rental hold

Lender profile

← All comparisons