ROC Capital for Mississippi investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Mississippi context
Mississippi deep cash flow market. Gulf Coast STR active.
How ROC Capital positions in Mississippi
Mississippi is well covered by national DSCR lenders, with ROC Capital as one option. Where ROC Capital differentiates: Wall Street-backed. Where it competes: rates 9.5 to 12 percent against peer programs.
City-level coverage in Mississippi
ROC Capital provides DSCR coverage across Mississippi metros including Jackson, Gulfport, and Hattiesburg. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Mississippi 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 |
| Mississippi property tax | 0.8% |
| Mississippi state income tax | 4.7% |
ROC Capital strengths in Mississippi
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Mississippi. ROC Capital is based in New York, NY and operates nationally.
Jackson is the top investor market in Mississippi and falls within ROC Capital national coverage. Jackson property tax follows the Mississippi state rate of 0.8 percent. ROC Capital typically underwrites Jackson acquisitions at standard rate sheets.
Yes. Gulfport ranks among the larger Mississippi investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Gulfport matters for property selection.
ROC Capital applies the same rate sheet across Mississippi metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Jackson, Gulfport, and Hattiesburg 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.
Mississippi deep cash flow market. Gulf Coast STR active. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Mississippi.
Mississippi 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 Mississippi 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.