ROC Capital for North Dakota investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
North Dakota context
North Dakota steady DSCR. Oil/gas economy volatile.
How ROC Capital positions in North Dakota
The North Dakota lender pool for DSCR includes ROC Capital among the active platforms. North Dakota top metros (Fargo, Bismarck, North Dakota) see meaningful ROC Capital loan volume.
City-level coverage in North Dakota
ROC Capital provides DSCR coverage across North Dakota metros including Fargo, Bismarck, and North Dakota. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across North Dakota 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 Dakota property tax | 1% |
| North Dakota state income tax | 2.9% |
ROC Capital strengths in North Dakota
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including North Dakota. ROC Capital is based in New York, NY and operates nationally.
Fargo is the top investor market in North Dakota and falls within ROC Capital national coverage. Fargo property tax follows the North Dakota state rate of 1 percent. ROC Capital typically underwrites Fargo acquisitions at standard rate sheets.
Yes. Bismarck ranks among the larger North Dakota investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Bismarck matters for property selection.
ROC Capital applies the same rate sheet across North Dakota metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Fargo, Bismarck, and North Dakota 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 Dakota steady DSCR. Oil/gas economy volatile. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in North Dakota.
North Dakota 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 North Dakota 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.