ROC Capital for New Mexico investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
New Mexico context
New Mexico steady DSCR. Santa Fe historic STR market.
How ROC Capital positions in New Mexico
The New Mexico lender pool for DSCR includes ROC Capital among the active platforms. New Mexico top metros (Albuquerque, Santa Fe, Las Cruces) see meaningful ROC Capital loan volume.
City-level coverage in New Mexico
ROC Capital provides DSCR coverage across New Mexico metros including Albuquerque, Santa Fe, and Las Cruces. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across New Mexico 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 Mexico property tax | 0.8% |
| New Mexico state income tax | 5.9% |
ROC Capital strengths in New Mexico
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including New Mexico. ROC Capital is based in New York, NY and operates nationally.
Albuquerque is the top investor market in New Mexico and falls within ROC Capital national coverage. Albuquerque property tax follows the New Mexico state rate of 0.8 percent. ROC Capital typically underwrites Albuquerque acquisitions at standard rate sheets.
Yes. Santa Fe ranks among the larger New Mexico investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Santa Fe matters for property selection.
ROC Capital applies the same rate sheet across New Mexico metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Albuquerque, Santa Fe, and Las Cruces 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 Mexico steady DSCR. Santa Fe historic STR market. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in New Mexico.
New Mexico 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 Mexico 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.