ROC Capital for New Jersey investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
New Jersey context
New Jersey property tax highest in nation. DSCR economics tight.
How ROC Capital positions in New Jersey
New Jersey 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 New Jersey
ROC Capital provides DSCR coverage across New Jersey metros including Newark, Jersey City, and Atlantic City. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across New Jersey 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 |
| New Jersey property tax | 2.5% |
| New Jersey state income tax | 10.75% |
ROC Capital strengths in New Jersey
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including New Jersey. ROC Capital is based in New York, NY and operates nationally.
Newark is the top investor market in New Jersey and falls within ROC Capital national coverage. Newark property tax follows the New Jersey state rate of 2.5 percent. ROC Capital typically underwrites Newark acquisitions at standard rate sheets.
Yes. Jersey City ranks among the larger New Jersey investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Jersey City matters for property selection.
ROC Capital applies the same rate sheet across New Jersey metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Newark, Jersey City, and Atlantic City 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.
New Jersey property tax highest in nation. DSCR economics tight. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in New Jersey.
New Jersey 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 New Jersey 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.