Purchase, rate-and-term refinance, and cash-out solutions are available for individual rental properties and portfolios. ROC Financial Solutions serves both experienced and first-time real estate investors with short- and long-term options for stabilized rental properties. Available programs may include adjustable-rate and 30-year fixed-rate options, fully amortizing or interest-only payment structures, and cash-out refinances.

The BRRRR Strategy
Buy, Renovate, Rent, Refinance, Repeat. This strategy can help investors recycle capital and build a rental portfolio. ROC offers financing for both long-term and short-term rental properties, with streamlined processing and responsive service.

Program highlights:*

• Single-property, portfolio, transitional, vacation-rental, and short-term-rental programs
• Competitive interest rates
• 5/1 ARM, 10/1 ARM, and 30-year fixed-rate options
• Cash-out refinancing up to 80% of eligible property value
• 13-, 18-, 24-, and 36-month terms for eligible renovation and construction programs
• Loan amounts from $75K to $50MM; $250K minimum for eligible portfolios
• Purchases up to 80% of appraised value
• No personal-income documentation on eligible programs
• Non-recourse options available

Our rental programs are designed to scale with your portfolio. Investors may use cash-out proceeds to acquire or improve additional investment properties.

*All programs are subject to underwriting guidelines, eligibility requirements, property review, and final approval.