ROC Capital for Louisiana investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Louisiana context
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost.
How ROC Capital positions in Louisiana
For Louisiana specifically, ROC Capital fits investors who match the hard money approach. The high cash flow profile of Louisiana aggregate makes it a target market for ROC Capital.
City-level coverage in Louisiana
ROC Capital provides DSCR coverage across Louisiana metros including New Orleans, Baton Rouge, and Shreveport. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Louisiana 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 |
| Louisiana property tax | 0.6% |
| Louisiana state income tax | 4.25% |
ROC Capital strengths in Louisiana
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Louisiana. ROC Capital is based in New York, NY and operates nationally.
New Orleans is the top investor market in Louisiana and falls within ROC Capital national coverage. New Orleans property tax follows the Louisiana state rate of 0.6 percent. ROC Capital typically underwrites New Orleans acquisitions at standard rate sheets.
Yes. Baton Rouge ranks among the larger Louisiana investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Baton Rouge matters for property selection.
ROC Capital applies the same rate sheet across Louisiana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. New Orleans, Baton Rouge, and Shreveport 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.
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Louisiana.
Louisiana allows standard DSCR prepay structures; ROC Capital typically uses 3-5 year step down.
ROC Capital typical close: 10-21 days typical.
Bottom line
ROC Capital in Louisiana 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.