Direct Lender for Real Estate Deals Nationwide

Rok Lending is a family office lending firm with a 10-year track record of financing transitional bridge loans ranging from $3M to $100M for many types of investment properties. We have provided over $700M in bridge capital since 2014. We specialize in time-sensitive deals with certainty of execution to ensure that your deal closes. We are very transparent and always protect brokers.

  • CRE Property Types include multifamily, industrial, retail, hotels, self storage, data centers, student housing and others
  • Residential Property Types include luxury homes (non owner occupied), condo portfolios, SFR portfolios
  • Loan-to-Value up to 70% for refinance loans
  • Loan-to-Purchase Price up to 70% – borrower must have 30%+ down payment
  • We can cross-collateralize with multiple properties
  • Primary and Secondary markets only – NO rural areas
  • Loan term is typically up to 2 years, and we can offer a 1-year extension

Please note: We do NOT consider land loans or ground-up construction projects.

Property Geographic Area Details
All 50 States and Puerto Rico (urban areas only)
Loan Amounts
$3,000,000 to $100,000,000
Interest Rates
10.5% to 12%
Loan Terms
6 months to 36 months
Origination Fees
1% to 2%
Lien Position
1st
What we do:
Bridge Loans up to 70% LTV
Multifamily, Retail, Industrial
Hotels, Resi Rental Portfolios
Luxury Homes (investment)
Loan Terms up to 3 years
Value-Add up to 70% LTC
What we don’t consider:
Rural Areas
Land Loans
Construction Loans
Cannabis-Use Properties
Special Purpose Properties
High leverage over 70% LTV
Credit Check Required

yes

Minimum 600 FICO score required
Prepayment Penalty

yes

The typical prepayment is half of the total loan term. For example a 2-year loan term would have a 12-month minimum interest guaranty. A 1-year loan term would have a 6-month minimum interest guaranty.
Typical Closing Time (Days)

30

Maximum Leverage

Purchase Short-Term (no Value-Add)
Max LTP Residential: 70%
Max LTP Multifamily: 72%
Max LTP Commercial: 70%
Purchase Long-Term
Max LTP Residential: 70%
Max LTP Multifamily: 70%
Max LTP Commercial: 70%
Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 70%
Max LTV 1st Lien Multifamily: 70%
Max LTV 1st Lien Commercial: 70%
Max LTV 1st Lien Land: 70%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 70%
Max LTV 1st Lien Multifamily: 70%
Max LTV 1st Lien Commercial: 70%
Max LTV 1st Lien Land: 70%
Refinance Long-Term
Max LTV Residential: 70%
Max LTV Multifamily: 70%
Max LTP Commercial: 70%
Residential Fix & Flip
Max LTP: 70%
Max LTC: 70%
Max LTARV: 70%
Residential Rehab & Hold
Max LTP: 70%
Max LTC: 70%
Max LTARV: 70%
Multifamily Value-Add
Max LTP: 70%
Max LTC: 70%
Max LTARV: 70%
Commercial Value-Add
Max LTP: 70%
Max LTC: 70%
Max LTARV: 70%

Property Types

  • 2-4 Units Residential
  • Commercial Condominium
  • Condominium
  • Cooperative
  • Gym
  • Hotel
  • Industrial
  • Marina
  • Multifamily
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Retail
  • School
  • Senior Housing
  • Single Family Residence
  • Storage Facility
  • Student Housing

Loan Types

  • Multifamily Bridge
  • Multifamily Rehab
  • Commercial Bridge
  • Commercial Property Value Add

Specialty Loan Types

  • Bankruptcy Resolution
  • Condo Conversion
  • Discounted Note Payoff
  • Luxury Homes
  • Note Purchase
  • Partner Buyout
  • Residential Long-Term Rental
  • Residential Short-Term Rental
  • TIC Tenancy-in-Common
  • Vacation Rental
Borrower must have a 30%+ down payment. We can cross collateralize with other investment properties.

Max Loan-to-Purchase Price

70%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

no

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Subject Property
  • Equity in Another Investment Property
  • Seller Financing
  • Gap Lender
  • Crowdfunding
  • Family
We fund up to 70% of the project costs - purchase + rehab.

Experience Required

yes

Minimum Number of Value-Add Projects Completed by Borrower

1

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

70%

Interest Charged for Renovation Costs

Entire Amount of Total Project Costs

Typical Number of Days for Funds Draw

30

Maximum After Repair Value

70%

Will Lend on a Portfolio of Properties

Yes

Deposit Required

Depends on the size of the transaction, typically $30K - $40K. This is not a profit center for us. The funds cover our underwriting fee ($10K), processing fee ($10K), third party costs, and our site visit. One person from our company will make a trip to walk the property. If we have to back out of a deal, it's typically because the borrower failed to disclose something important. Regardless of the reason, if we don't end up funding a deal, we refund the unused deposit money.

Underwriting Fee

$10,000 underwriting fee is included in the deposit which is collected when borrower signs the term sheet.

Processing Fee

$10,000 processing fee is included in the deposit which is collected when borrower signs the term sheet.

Fees which are mandatory for all new borrower clients

  • Deposit
  • Underwriting Fee
  • Processing Fee

Fees which are paid to a third party company

  • Legal Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee

Details and Requirements

Fastest Closing Time (Days)

21

Payment Structure
  • Interest Only
Will lend to a foreign national

yes

Flexible
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
Documentation Required
  • Financial Statements
Personal Guaranty (Recourse) Required
Sometimes
Minimum Credit Score Required

600

Appraisal Required for Residential Property

Always Before Funding

Appraisal Required for Commercial Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial
Additional Details

We typically charge 2 points for origination. Most deals are structured with 1 point paid at closing another 1 point due when the loan is paid off. We are flexible and can structure as 0.5 point in and 1.5 points out.

ROK Lending Testimonials

July 2023

Elan

"Immense Gratitude Towards Rok Lending I wanted to express my immense gratitude for everything the Rok Lending team did to get this over the line. It is so appreciated and valued. You have no idea how much this means to me and my family after everything we have been through. - Elan July 2023"

Myrtle Beach

Contact ROK Lending

ROK Lending pays us to be listed, so there is no fee to connect with them directly.
(646) 552-7701 (646) 552-XXXX
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Rok Lending is a family-operated and family-funded licensed private lender based in Downtown Miami. The combination of experienced underwriting, self-funding, and in-house legal counsel creates the ability to close the biggest of loans in days, not weeks. Furthermore, not having to rely on institutional funds gives Rok Lending the opportunity to offer creative solutions to borrowers to fit their ideal wants and needs.

Some of the notable family accomplishments range from being the major stockholder of a local community bank for over 20 years, one of the biggest landlords in Downtown Miami since the 1980’s and having purchased over $500 million of distressed debt from 2008 to 2013.

Rok Lending’s knowledge and experience in the industry plus the attentiveness to each and every deal is what makes us a unique industry-leading private lender.

Company Size (Number of Employees)

8

Year Established

2014

Office Locations

Miami HQ
19790 W Dixie Hwy PH1, Aventura, Florida 33180

New York Office
250 Greenpoint Ave, Brooklyn, NY 11222



Primary Capital Source
  • Own Funds
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property

90%

Percentage of Loans Secured by Residential Property

10%

Total Number of Loans Funded to Date

287

Total Loan Volume Funded to Date

$689,000,000

Our Team

Avi Zukerman

Director of Originations

NY Broker Lic. - 10491206501

Fortunato Botbol

Ben Lerman

Julie Quittner

Contact ROK Lending

ROK Lending pays us to be listed, so there is no fee to connect with them directly.
(646) 552-7701 (646) 552-XXXX
Click to show phone number
Send email Create a Loan Request

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Receive our monthly newsletters with valuable insights and industry updates
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BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$3,000,000

What we do:
Bridge Loans up to 70% LTV
Multifamily, Retail, Industrial
Hotels, Resi Rental Portfolios
Luxury Homes (investment)
Loan Terms up to 3 years
Value-Add up to 70% LTC
What we don’t consider:
Rural Areas
Land Loans
Construction Loans
Cannabis-Use Properties
Special Purpose Properties
High leverage over 70% LTV

Contact ROK Lending

ROK Lending pays us to be listed, so there is no fee to connect with them directly.
(646) 552-7701 (646) 552-XXXX
Click to show phone number
Send email Visit Website

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