ROC Capital for Missouri investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Missouri context
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market.
How ROC Capital positions in Missouri
Missouri 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 Missouri
ROC Capital provides DSCR coverage across Missouri metros including St. Louis, Kansas City, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Missouri 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 |
| Missouri property tax | 1% |
| Missouri state income tax | 4.95% |
ROC Capital strengths in Missouri
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Missouri. ROC Capital is based in New York, NY and operates nationally.
St. Louis is the top investor market in Missouri and falls within ROC Capital national coverage. St. Louis property tax follows the Missouri state rate of 1 percent. ROC Capital typically underwrites St. Louis acquisitions at standard rate sheets.
Yes. Kansas City ranks among the larger Missouri investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Kansas City matters for property selection.
ROC Capital applies the same rate sheet across Missouri metros. Pricing variation comes from property-specific factors rather than metro location within the same state. St. Louis, Kansas City, 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.
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Missouri.
Missouri allows standard DSCR prepay structures; ROC Capital typically uses 3-5 year step down.
ROC Capital typical close: 10-21 days typical.
Bottom line
Missouri investors considering ROC Capital should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with ROC Capital.