ROC Capital for Indiana investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Indiana context
Indiana strong cash flow Midwest metros. Low property tax. Indianapolis dominant investor market.
How ROC Capital positions in Indiana
The Indiana lender pool for DSCR includes ROC Capital among the active platforms. Indiana top metros (Indianapolis, Fort Wayne, South Bend) see meaningful ROC Capital loan volume.
City-level coverage in Indiana
ROC Capital provides DSCR coverage across Indiana metros including Indianapolis, Fort Wayne, and South Bend. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Indiana 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 |
| Indiana property tax | 0.9% |
| Indiana state income tax | 3.2% |
ROC Capital strengths in Indiana
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Indiana. ROC Capital is based in New York, NY and operates nationally.
Indianapolis is the top investor market in Indiana and falls within ROC Capital national coverage. Indianapolis property tax follows the Indiana state rate of 0.9 percent. ROC Capital typically underwrites Indianapolis acquisitions at standard rate sheets.
Yes. Fort Wayne ranks among the larger Indiana investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Fort Wayne matters for property selection.
ROC Capital applies the same rate sheet across Indiana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Indianapolis, Fort Wayne, and South Bend 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.
Indiana strong cash flow Midwest metros. Low property tax. Indianapolis dominant investor market. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Indiana.
Indiana allows standard DSCR prepay structures; ROC Capital typically uses 3-5 year step down.
ROC Capital typical close: 10-21 days typical.
Bottom line
Indiana 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.