ROC Capital for Montana investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Montana context
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity.
How ROC Capital positions in Montana
Within Montana, ROC Capital competes alongside other DSCR lenders. ROC Capital strengths: Wall Street-backed, broad product suite. The low aggregate DSCR economics of Montana create demand for ROC Capital programs in Billings and Bozeman particularly.
City-level coverage in Montana
ROC Capital provides DSCR coverage across Montana metros including Billings, Bozeman, and Missoula. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Montana 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 |
| Montana property tax | 0.8% |
| Montana state income tax | 6.75% |
ROC Capital strengths in Montana
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Montana. ROC Capital is based in New York, NY and operates nationally.
Billings is the top investor market in Montana and falls within ROC Capital national coverage. Billings property tax follows the Montana state rate of 0.8 percent. ROC Capital typically underwrites Billings acquisitions at standard rate sheets.
Yes. Bozeman ranks among the larger Montana investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Bozeman matters for property selection.
ROC Capital applies the same rate sheet across Montana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Billings, Bozeman, and Missoula 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.
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Montana.
Montana allows standard DSCR prepay structures; ROC Capital typically uses 3-5 year step down.
ROC Capital typical close: 10-21 days typical.
Bottom line
Montana 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.