ROC Capital for Maine investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Maine context
Maine seasonal rental market. Coastal STR potential.
How ROC Capital positions in Maine
Within Maine, ROC Capital competes alongside other DSCR lenders. ROC Capital strengths: Wall Street-backed, broad product suite. The medium aggregate DSCR economics of Maine create demand for ROC Capital programs in Portland and Bangor particularly.
City-level coverage in Maine
ROC Capital provides DSCR coverage across Maine metros including Portland, Bangor, and Maine. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Maine 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 |
| Maine property tax | 1.2% |
| Maine state income tax | 7.15% |
ROC Capital strengths in Maine
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Maine. ROC Capital is based in New York, NY and operates nationally.
Portland is the top investor market in Maine and falls within ROC Capital national coverage. Portland property tax follows the Maine state rate of 1.2 percent. ROC Capital typically underwrites Portland acquisitions at standard rate sheets.
Yes. Bangor ranks among the larger Maine investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Bangor matters for property selection.
ROC Capital applies the same rate sheet across Maine metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Portland, Bangor, and Maine 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.
Maine seasonal rental market. Coastal STR potential. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Maine.
Maine 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 Maine 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.