ROC Capital for Connecticut investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Connecticut context
Connecticut property tax burden is among highest in nation. DSCR tight outside Hartford and New Haven multi-unit submarkets.
How ROC Capital positions in Connecticut
For Connecticut specifically, ROC Capital fits investors who match the hard money approach. The low cash flow profile of Connecticut aggregate makes it workable for ROC Capital.
City-level coverage in Connecticut
ROC Capital provides DSCR coverage across Connecticut metros including Hartford, Bridgeport, and New Haven. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Connecticut 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 |
| Connecticut property tax | 2% |
| Connecticut state income tax | 7% |
ROC Capital strengths in Connecticut
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Connecticut. ROC Capital is based in New York, NY and operates nationally.
Hartford is the top investor market in Connecticut and falls within ROC Capital national coverage. Hartford property tax follows the Connecticut state rate of 2 percent. ROC Capital typically underwrites Hartford acquisitions at standard rate sheets.
Yes. Bridgeport ranks among the larger Connecticut investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Bridgeport matters for property selection.
ROC Capital applies the same rate sheet across Connecticut metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Hartford, Bridgeport, and New Haven 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.
Connecticut property tax burden is among highest in nation. DSCR tight outside Hartford and New Haven multi-unit submarkets. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Connecticut.
Connecticut 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 Connecticut 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.