ROC Capital for Minnesota investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Minnesota context
Minnesota stable Midwest market. Twin Cities dominant. Minneapolis rent stabilization (2023) affects city proper.
How ROC Capital positions in Minnesota
The Minnesota lender pool for DSCR includes ROC Capital among the active platforms. Minnesota top metros (Minneapolis, St. Paul, Rochester) see meaningful ROC Capital loan volume.
City-level coverage in Minnesota
ROC Capital provides DSCR coverage across Minnesota metros including Minneapolis, St. Paul, and Rochester. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Minnesota 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 |
| Minnesota property tax | 1.1% |
| Minnesota state income tax | 9.85% |
ROC Capital strengths in Minnesota
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Minnesota. ROC Capital is based in New York, NY and operates nationally.
Minneapolis is the top investor market in Minnesota and falls within ROC Capital national coverage. Minneapolis property tax follows the Minnesota state rate of 1.1 percent. ROC Capital typically underwrites Minneapolis acquisitions at standard rate sheets.
Yes. St. Paul ranks among the larger Minnesota investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within St. Paul matters for property selection.
ROC Capital applies the same rate sheet across Minnesota metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Minneapolis, St. Paul, and Rochester 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.
Minnesota stable Midwest market. Twin Cities dominant. Minneapolis rent stabilization (2023) affects city proper. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Minnesota.
Minnesota allows standard DSCR prepay structures; ROC Capital typically uses 3-5 year step down.
ROC Capital typical close: 10-21 days typical.
Bottom line
For Minnesota DSCR borrowers, ROC Capital is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with ROC Capital.