ROC Capital for Delaware investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Delaware context
Delaware low property tax. Strongest LLC formation state — many investor LLCs registered here even for properties in other states. Strong corporate-anchored DSCR.
How ROC Capital positions in Delaware
For Delaware specifically, ROC Capital fits investors who match the hard money approach. The medium cash flow profile of Delaware aggregate makes it workable for ROC Capital.
City-level coverage in Delaware
ROC Capital provides DSCR coverage across Delaware metros including Wilmington, Dover, and Delaware. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Delaware 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 |
| Delaware property tax | 0.6% |
| Delaware state income tax | 6.6% |
ROC Capital strengths in Delaware
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Delaware. ROC Capital is based in New York, NY and operates nationally.
Wilmington is the top investor market in Delaware and falls within ROC Capital national coverage. Wilmington property tax follows the Delaware state rate of 0.6 percent. ROC Capital typically underwrites Wilmington acquisitions at standard rate sheets.
Yes. Dover ranks among the larger Delaware investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Dover matters for property selection.
ROC Capital applies the same rate sheet across Delaware metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Wilmington, Dover, and Delaware 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.
Delaware low property tax. Strongest LLC formation state — many investor LLCs registered here even for properties in other states. Strong corporate-anchored DSCR. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Delaware.
Delaware allows standard DSCR prepay structures; ROC Capital typically uses 3-5 year step down.
ROC Capital typical close: 10-21 days typical.
Bottom line
Delaware investors considering ROC Capital should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with ROC Capital.