ROC Capital for Massachusetts investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Massachusetts context
Massachusetts triple-decker market produces multi-unit DSCR economics. Boston DSCR tight.
How ROC Capital positions in Massachusetts
The Massachusetts lender pool for DSCR includes ROC Capital among the active platforms. Massachusetts top metros (Boston, Worcester, Springfield) see meaningful ROC Capital loan volume.
City-level coverage in Massachusetts
ROC Capital provides DSCR coverage across Massachusetts metros including Boston, Worcester, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Massachusetts 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 |
| Massachusetts property tax | 1.2% |
| Massachusetts state income tax | 9% |
ROC Capital strengths in Massachusetts
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Massachusetts. ROC Capital is based in New York, NY and operates nationally.
Boston is the top investor market in Massachusetts and falls within ROC Capital national coverage. Boston property tax follows the Massachusetts state rate of 1.2 percent. ROC Capital typically underwrites Boston acquisitions at standard rate sheets.
Yes. Worcester ranks among the larger Massachusetts investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Worcester matters for property selection.
ROC Capital applies the same rate sheet across Massachusetts metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Boston, Worcester, and Springfield 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.
Massachusetts triple-decker market produces multi-unit DSCR economics. Boston DSCR tight. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Massachusetts.
Massachusetts 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 Massachusetts 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.