Roc360 Secures $150M Boost from Temasek to Fuel US Home Renovation Boom

NEW YORK, NY – January 08, 2026 – Roc360, a prominent real estate investment and lending platform, today announced it has secured an additional $150 million investment from Temasek, the Singapore-based global investment powerhouse. The capital infusion will be channeled into the Roc360 Real Estate Income Trust Inc. (REIT), a specialized fund focused on financing the renovation of America's aging residential properties. This move not only deepens the strategic partnership between the two firms but also signals a significant acceleration in a broader market trend: institutional capital pivoting from real estate equity towards the burgeoning residential credit sector.

This latest investment builds upon a strategic partnership that began in August 2023 with the launch of the Roc360 REIT. The new commitment from Temasek, which has a net portfolio value of S$434 billion (US$324b), underscores the growing global demand for high-quality, asset-backed credit opportunities within the U.S. housing market.

The Fixer-Upper Economy and America's Aging Homes

This investment arrives at a critical juncture for the U.S. housing market. A vast and growing portion of the nation's housing stock is in dire need of modernization. According to recent data derived from the U.S. Census Bureau, the median age of an owner-occupied home in America has climbed to 40 years. Nearly half of all U.S. homes were constructed before 1980, with a substantial 35% built before 1970. This aging infrastructure has created what industry analysts estimate to be a staggering annual deficit of over $149 billion in unmet home repair and renovation needs.

This structural reality has given rise to a robust and resilient "fixer-upper" economy. As property prices remain elevated, many potential buyers and existing homeowners are choosing to invest in renovating older homes rather than competing for scarce and expensive new construction. This dynamic fuels a persistent demand for residential transition loans (RTLs)—short-term, asset-backed financing that enables real estate investors to acquire, renovate, and stabilize properties before selling them or refinancing into long-term rental loans.

Roc360's lending platform is designed precisely to serve this niche, providing the essential capital that powers these renovation projects. By financing the restoration of dilapidated properties, these loans not only generate returns for investors but also contribute directly to increasing the supply of updated, habitable homes, addressing a key component of the nation's housing shortage.

Temasek's Bet and the Great Shift to Real Estate Debt

Temasek's decision to double down on its investment in the Roc360 REIT is emblematic of a larger, strategic migration of institutional capital. For years, direct ownership of property—real estate equity—was the dominant strategy for large investors. However, a confluence of macroeconomic factors, including a "higher for longer" interest rate environment and increased market volatility, has prompted a significant re-evaluation of risk and return.

Institutional investors are increasingly drawn to real estate debt for its compelling characteristics. As a debt holder, an investor sits higher in the capital stack than an equity owner, providing a greater degree of protection against potential losses. The loans are secured by tangible assets—the properties themselves—offering a layer of security that equity positions lack. Furthermore, real estate debt provides a predictable and stable income stream through regular interest payments, a highly attractive feature in an uncertain economic climate.

This trend has been amplified by a pullback in lending from traditional banks, which are facing stricter regulatory requirements and balance sheet pressures. This has created a significant opportunity for non-bank, private credit lenders like Roc360 to step in and fill the financing gap. Financial analysts from major investment banks have noted this "huge shift" of capital flooding into the credit space, with alternative lenders steadily gaining market share by providing flexible and reliable capital. Temasek's calculated bet is that this asset class will deliver sustainable, risk-adjusted returns over the long term.

Roc360's Blueprint for a Modern Lending Platform

At the heart of this transaction is Roc360's sophisticated and vertically integrated business model. Founded in 2014, the company has methodically built an end-to-end platform that addresses every stage of the investment property loan lifecycle, from origination and underwriting to servicing, asset management, and even insurance. This comprehensive approach, powered by proprietary technology and deep credit expertise, is designed to provide certainty and efficiency for the thousands of real estate investors who rely on its capital.

Having collectively funded over $30 billion in loans, Roc360 has established itself as a critical conduit between the fragmented world of local property renovators and the vast pools of global institutional capital.

"We are excited to expand our partnership with Temasek and address a massive unmet need in U.S. residential real estate," said Maksim Stavinsky, Co-Founder and CEO of Roc360, in a statement. "As global investors continue to demand greater exposure to high-quality asset-backed credit and shift from real estate equity toward real estate debt, we have positioned ourselves favorably in the market to help our investors access this opportunity."

Stavinsky highlighted the multifaceted benefits of the platform, noting it creates a "true 'win-win-win' scenario" by helping sponsors renovate properties, providing an attractive allocation for institutional investors, and ultimately boosting the broader U.S. housing economy.

The company's ability to attract diverse and long-term capital sources is further evidenced by its recent activities. In July 2025, Roc360 announced the closing of a $150 million Insurance Dedicated Fund (IDF) with a major annuity provider, one of the first of its kind to focus exclusively on residential credit. This, combined with successful securitizations like the $200 million residential bridge loan deal closed in March 2025, demonstrates a mature and scalable capital markets infrastructure capable of meeting the evolving needs of its partners.

This latest investment from Temasek is more than just a capital injection; it is a powerful validation of Roc360's strategy and a clear indicator of the growing institutionalization of the residential renovation finance market. By providing the financial lifeblood for property revitalization, the partnership is set to play a pivotal role in upgrading America's housing stock one property at a time, while simultaneously capitalizing on one of the most significant shifts in real estate investment strategy in a generation.