ROC Capital for West Virginia investors
ROC Capital is a Wall Street-backed national non-QM lender with broad product coverage.
West Virginia context
West Virginia deep cash flow market. Low entry prices.
How ROC Capital positions in West Virginia
For West Virginia specifically, ROC Capital fits investors who match the hard money approach. The high cash flow profile of West Virginia aggregate makes it a target market for ROC Capital.
City-level coverage in West Virginia
ROC Capital provides DSCR coverage across West Virginia metros including Charleston, Morgantown, and Huntington. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. ROC Capital program terms apply uniformly across West 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 |
| West Virginia property tax | 0.6% |
| West Virginia state income tax | 5.12% |
ROC Capital strengths in West Virginia
- Wall Street-backed
- broad product suite
- experienced team
Ideal borrower: Mid-to-experienced investor
FAQ
Yes, operates nationally including West Virginia. ROC Capital is based in New York, NY and operates nationally.
Charleston is the top investor market in West Virginia and falls within ROC Capital national coverage. Charleston property tax follows the West Virginia state rate of 0.6 percent. ROC Capital typically underwrites Charleston acquisitions at standard rate sheets.
Yes. Morgantown ranks among the larger West Virginia investor metros and sees consistent DSCR loan volume from ROC Capital. Submarket variation within Morgantown matters for property selection.
ROC Capital applies the same rate sheet across West Virginia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charleston, Morgantown, and Huntington 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.
West Virginia deep cash flow market. Low entry prices. ROC Capital follows standard business-purpose loan structures.
ROC Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in West Virginia.
West 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
ROC Capital in West Virginia works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with ROC Capital.