ROC Capital for Arkansas investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Arkansas context
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics.
How ROC Capital positions in Arkansas
The Arkansas lender pool for DSCR includes ROC Capital among the active platforms. Arkansas top metros (Little Rock, Fayetteville, Fort Smith) see meaningful ROC Capital loan volume.
City-level coverage in Arkansas
ROC Capital provides DSCR coverage across Arkansas metros including Little Rock, Fayetteville, and Fort Smith. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Arkansas metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size | $75K - $5.0M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
| Arkansas property tax | 0.6% |
| Arkansas state income tax | 4.4% |
ROC Capital strengths in Arkansas
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Arkansas. ROC Capital is based in New York, NY and operates nationally.
Little Rock is the top investor market in Arkansas and falls within ROC Capital national coverage. Little Rock property tax follows the Arkansas state rate of 0.6 percent. ROC Capital typically underwrites Little Rock acquisitions at standard rate sheets.
Yes. Fayetteville ranks among the larger Arkansas investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Fayetteville matters for property selection.
ROC Capital applies the same rate sheet across Arkansas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Little Rock, Fayetteville, and Fort Smith all qualify for the same ROC Capital program.
ROC Capital indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Arkansas.
Arkansas allows standard DSCR prepay structures; ROC Capital typically uses 3-5 year step down.
ROC Capital typical close: 10-21 days typical.
Bottom line
For Arkansas DSCR borrowers, ROC Capital is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with ROC Capital.