ROC Capital for Utah investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Utah context
Utah low property tax. Strong job growth. Ski STR (Park City) and southern Utah STR (St. George/Zion).
How ROC Capital positions in Utah
The Utah lender pool for DSCR includes ROC Capital among the active platforms. Utah top metros (Salt Lake City, Provo, St. George) see meaningful ROC Capital loan volume.
City-level coverage in Utah
ROC Capital provides DSCR coverage across Utah metros including Salt Lake City, Provo, and St. George. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Utah 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 |
| Utah property tax | 0.6% |
| Utah state income tax | 4.85% |
ROC Capital strengths in Utah
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Utah. ROC Capital is based in New York, NY and operates nationally.
Salt Lake City is the top investor market in Utah and falls within ROC Capital national coverage. Salt Lake City property tax follows the Utah state rate of 0.6 percent. ROC Capital typically underwrites Salt Lake City acquisitions at standard rate sheets.
Yes. Provo ranks among the larger Utah investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Provo matters for property selection.
ROC Capital applies the same rate sheet across Utah metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Salt Lake City, Provo, and St. George 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.
Utah low property tax. Strong job growth. Ski STR (Park City) and southern Utah STR (St. George/Zion). ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Utah.
Utah allows standard DSCR prepay structures; ROC Capital typically uses 3-5 year step down.
ROC Capital typical close: 10-21 days typical.
Bottom line
Utah investors considering ROC Capital should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with ROC Capital.