ROC Capital for Oklahoma investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Oklahoma context
Oklahoma low property tax. Strong DSCR cash flow. Tornado risk.
How ROC Capital positions in Oklahoma
Within Oklahoma, ROC Capital competes alongside other DSCR lenders. ROC Capital strengths: Wall Street-backed, broad product suite. The high aggregate DSCR economics of Oklahoma create demand for ROC Capital programs in Oklahoma City and Tulsa particularly.
City-level coverage in Oklahoma
ROC Capital provides DSCR coverage across Oklahoma metros including Oklahoma City, Tulsa, and Norman. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Oklahoma 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 |
| Oklahoma property tax | 0.9% |
| Oklahoma state income tax | 4.75% |
ROC Capital strengths in Oklahoma
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Oklahoma. ROC Capital is based in New York, NY and operates nationally.
Oklahoma City is the top investor market in Oklahoma and falls within ROC Capital national coverage. Oklahoma City property tax follows the Oklahoma state rate of 0.9 percent. ROC Capital typically underwrites Oklahoma City acquisitions at standard rate sheets.
Yes. Tulsa ranks among the larger Oklahoma investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Tulsa matters for property selection.
ROC Capital applies the same rate sheet across Oklahoma metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Oklahoma City, Tulsa, and Norman 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.
Oklahoma low property tax. Strong DSCR cash flow. Tornado risk. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Oklahoma.
Oklahoma 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 Oklahoma 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.