ROC Capital for Oregon investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Oregon context
Oregon SB 608 statewide rent control. DSCR economics challenged.
How ROC Capital positions in Oregon
Within Oregon, ROC Capital competes alongside other DSCR lenders. ROC Capital strengths: Wall Street-backed, broad product suite. The low aggregate DSCR economics of Oregon create demand for ROC Capital programs in Portland and Eugene particularly.
City-level coverage in Oregon
ROC Capital provides DSCR coverage across Oregon metros including Portland, Eugene, and Salem. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Oregon 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 |
| Oregon property tax | 1% |
| Oregon state income tax | 9.9% |
ROC Capital strengths in Oregon
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Oregon. ROC Capital is based in New York, NY and operates nationally.
Portland is the top investor market in Oregon and falls within ROC Capital national coverage. Portland property tax follows the Oregon state rate of 1 percent. ROC Capital typically underwrites Portland acquisitions at standard rate sheets.
Yes. Eugene ranks among the larger Oregon investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Eugene matters for property selection.
ROC Capital applies the same rate sheet across Oregon metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Portland, Eugene, and Salem 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.
Oregon SB 608 statewide rent control. DSCR economics challenged. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Oregon.
Oregon 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 Oregon 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.