ROC Capital for California investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
California context
California DSCR economics tight in coastal markets but workable in Central Valley. AB1482 statewide rent control caps annual rent increases. Tight STR rules in many cities.
How ROC Capital positions in California
Within California, ROC Capital competes alongside other DSCR lenders. ROC Capital strengths: Wall Street-backed, broad product suite. The low aggregate DSCR economics of California create demand for ROC Capital programs in Los Angeles and San Francisco particularly.
City-level coverage in California
ROC Capital provides DSCR coverage across California metros including Los Angeles, San Francisco, and San Diego. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across California 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 |
| California property tax | 0.7% |
| California state income tax | 13.3% |
ROC Capital strengths in California
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including California. ROC Capital is based in New York, NY and operates nationally.
Los Angeles is the top investor market in California and falls within ROC Capital national coverage. Los Angeles property tax follows the California state rate of 0.7 percent. ROC Capital typically underwrites Los Angeles acquisitions at standard rate sheets.
Yes. San Francisco ranks among the larger California investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within San Francisco matters for property selection.
ROC Capital applies the same rate sheet across California metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Los Angeles, San Francisco, and San Diego 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.
California DSCR economics tight in coastal markets but workable in Central Valley. AB1482 statewide rent control caps annual rent increases. Tight STR rules in many cities. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in California.
California has some restrictions on prepayment penalty structures; ROC Capital typically uses 3-5 year step down.
ROC Capital typical close: 10-21 days typical.
Bottom line
ROC Capital in California works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with ROC Capital.