ROC Capital for Vermont investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Vermont context
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices.
How ROC Capital positions in Vermont
Vermont 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 Vermont
ROC Capital provides DSCR coverage across Vermont metros including Burlington, Montpelier, and Vermont. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Vermont 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 |
| Vermont property tax | 1.8% |
| Vermont state income tax | 8.75% |
ROC Capital strengths in Vermont
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Vermont. ROC Capital is based in New York, NY and operates nationally.
Burlington is the top investor market in Vermont and falls within ROC Capital national coverage. Burlington property tax follows the Vermont state rate of 1.8 percent. ROC Capital typically underwrites Burlington acquisitions at standard rate sheets.
Yes. Montpelier ranks among the larger Vermont investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Montpelier matters for property selection.
ROC Capital applies the same rate sheet across Vermont metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Burlington, Montpelier, and Vermont 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.
Vermont ski STR (Stowe, Killington). DSCR tight on acquisition prices. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Vermont.
Vermont 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 Vermont 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.