ROC Capital for North Carolina investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
North Carolina context
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested.
How ROC Capital positions in North Carolina
For North Carolina specifically, ROC Capital fits investors who match the hard money approach. The medium cash flow profile of North Carolina aggregate makes it workable for ROC Capital.
City-level coverage in North Carolina
ROC Capital provides DSCR coverage across North Carolina metros including Charlotte, Raleigh, and Greensboro. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across North Carolina 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 |
| North Carolina property tax | 0.8% |
| North Carolina state income tax | 4.5% |
ROC Capital strengths in North Carolina
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including North Carolina. ROC Capital is based in New York, NY and operates nationally.
Charlotte is the top investor market in North Carolina and falls within ROC Capital national coverage. Charlotte property tax follows the North Carolina state rate of 0.8 percent. ROC Capital typically underwrites Charlotte acquisitions at standard rate sheets.
Yes. Raleigh ranks among the larger North Carolina investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Raleigh matters for property selection.
ROC Capital applies the same rate sheet across North Carolina metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charlotte, Raleigh, and Greensboro 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.
North Carolina strong Sunbelt growth. Charlotte and Raleigh-Durham dominant. Asheville STR contested. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in North Carolina.
North Carolina allows standard DSCR prepay structures; ROC Capital typically uses 3-5 year step down.
ROC Capital typical close: 10-21 days typical.
Bottom line
ROC Capital in North Carolina works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with ROC Capital.