ROC Capital for Washington investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
Washington context
Washington no state income tax (helps DSCR cash flow). Seattle tenant protections. Spokane more affordable.
How ROC Capital positions in Washington
Within Washington, ROC Capital competes alongside other DSCR lenders. ROC Capital strengths: Wall Street-backed, broad product suite. The medium aggregate DSCR economics of Washington create demand for ROC Capital programs in Seattle and Spokane particularly.
City-level coverage in Washington
ROC Capital provides DSCR coverage across Washington metros including Seattle, Spokane, and Tacoma. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across Washington 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 |
| Washington property tax | 1% |
| Washington state income tax | None |
ROC Capital strengths in Washington
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including Washington. ROC Capital is based in New York, NY and operates nationally.
Seattle is the top investor market in Washington and falls within ROC Capital national coverage. Seattle property tax follows the Washington state rate of 1 percent. ROC Capital typically underwrites Seattle acquisitions at standard rate sheets.
Yes. Spokane ranks among the larger Washington investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Spokane matters for property selection.
ROC Capital applies the same rate sheet across Washington metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Seattle, Spokane, and Tacoma 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.
Washington no state income tax (helps DSCR cash flow). Seattle tenant protections. Spokane more affordable. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Washington.
Washington allows standard DSCR prepay structures; ROC Capital typically uses 3-5 year step down.
ROC Capital typical close: 10-21 days typical.
Bottom line
Washington 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.