ROC Capital for Tennessee investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Tennessee context
Tennessee no state income tax. Memphis among deepest cash flow markets. Nashville STR contested. Smoky Mountains STR (Pigeon Forge, Gatlinburg) major market.
How ROC Capital positions in Tennessee
Within Tennessee, ROC Capital competes alongside other DSCR lenders. ROC Capital strengths: Wall Street-backed, broad product suite. The medium aggregate DSCR economics of Tennessee create demand for ROC Capital programs in Nashville and Memphis particularly.
City-level coverage in Tennessee
ROC Capital provides DSCR coverage across Tennessee metros including Nashville, Memphis, and Knoxville. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Tennessee 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 |
| Tennessee property tax | 0.7% |
| Tennessee state income tax | None |
ROC Capital strengths in Tennessee
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Tennessee. ROC Capital is based in New York, NY and operates nationally.
Nashville is the top investor market in Tennessee and falls within ROC Capital national coverage. Nashville property tax follows the Tennessee state rate of 0.7 percent. ROC Capital typically underwrites Nashville acquisitions at standard rate sheets.
Yes. Memphis ranks among the larger Tennessee investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Memphis matters for property selection.
ROC Capital applies the same rate sheet across Tennessee metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Nashville, Memphis, and Knoxville 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.
Tennessee no state income tax. Memphis among deepest cash flow markets. Nashville STR contested. Smoky Mountains STR (Pigeon Forge, Gatlinburg) major market. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Tennessee.
Tennessee 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 Tennessee 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.