ROC Capital for South Carolina investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
South Carolina context
South Carolina low property tax. Charleston and Myrtle Beach STR active. Strong investor-friendly state.
How ROC Capital positions in South Carolina
South Carolina is well covered by national DSCR lenders, with ROC Capital as one option. Where ROC Capital differentiates: Wall Street-backed. Where it competes: rates 9.5 to 12 percent against peer programs.
City-level coverage in South Carolina
ROC Capital provides DSCR coverage across South Carolina metros including Charleston, Columbia, and Greenville. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across South 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 |
| South Carolina property tax | 0.6% |
| South Carolina state income tax | 6.5% |
ROC Capital strengths in South Carolina
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including South Carolina. ROC Capital is based in New York, NY and operates nationally.
Charleston is the top investor market in South Carolina and falls within ROC Capital national coverage. Charleston property tax follows the South Carolina state rate of 0.6 percent. ROC Capital typically underwrites Charleston acquisitions at standard rate sheets.
Yes. Columbia ranks among the larger South Carolina investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Columbia matters for property selection.
ROC Capital applies the same rate sheet across South Carolina metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charleston, Columbia, and Greenville 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.
South Carolina low property tax. Charleston and Myrtle Beach STR active. Strong investor-friendly state. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in South Carolina.
South 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
For South Carolina 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.