ROC Capital for Virginia investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Virginia context
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA).
How ROC Capital positions in Virginia
For Virginia specifically, ROC Capital fits investors who match the hard money approach. The medium cash flow profile of Virginia aggregate makes it workable for ROC Capital.
City-level coverage in Virginia
ROC Capital provides DSCR coverage across Virginia metros including Virginia Beach, Richmond, and Norfolk. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Virginia 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 |
| Virginia property tax | 0.9% |
| Virginia state income tax | 5.75% |
ROC Capital strengths in Virginia
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Virginia. ROC Capital is based in New York, NY and operates nationally.
Virginia Beach is the top investor market in Virginia and falls within ROC Capital national coverage. Virginia Beach property tax follows the Virginia state rate of 0.9 percent. ROC Capital typically underwrites Virginia Beach acquisitions at standard rate sheets.
Yes. Richmond ranks among the larger Virginia investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Richmond matters for property selection.
ROC Capital applies the same rate sheet across Virginia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Virginia Beach, Richmond, and Norfolk 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.
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA). ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Virginia.
Virginia allows standard DSCR prepay structures; ROC Capital typically uses 3-5 year step down.
ROC Capital typical close: 10-21 days typical.
Bottom line
Virginia 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.