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LendingOne vs. RCN Capital

A side-by-side on the fields both lenders publish, followed by a read on where they actually differ.

Criteria
LendingOne Verified 17 Sep 2026
RCN Capital Verified 17 Sep 2026
Type hard money hard money
Headquarters Boca Raton, FL South Windsor, CT
Founded 2014 2010
Geographic focus National National
Products fix-and-flip, BRRRR, rental, bridge, new-construction fix-and-flip, BRRRR, rental, bridge, new-construction
Loan size range $85,000–$2,000,000 $100,000–$3,500,000
Max LTV 80% 80%
Max LTC 90% 90%
Min credit score 640 660
Min DSCR 0.75 1.00
Terms 12-24 months (hard money) / 30-year (rental) 12-24 months (hard money) / 30-year (rental)
Typical close time 14-21 days typical 10-21 days typical
Rate range 9%–12% 9.5%–12%
Points 1–3 pts 1–3 pts

Where they actually differ

LendingOne sets its DSCR floor at 0.75; RCN Capital wants 1.00. A property that clears the lower bar but not the higher one is exactly what this difference decides.

Credit floors differ: LendingOne starts at 640, RCN Capital at 660. That gap only matters to a borrower sitting between the two numbers.

Loan sizing runs $85,000–$2,000,000 at LendingOne and $100,000–$3,500,000 at RCN Capital — a gap that mostly matters at either end of the range.

LendingOne quotes a 14-21 days typical close; RCN Capital quotes 10-21 days typical. On a competitive acquisition that gap can be the whole decision.

Questions

Which has the lower DSCR floor, LendingOne or RCN Capital?
LendingOne, at 0.75. RCN Capital wants 1.00. A property that clears the lower bar but not the higher one is exactly what this difference decides.
Which has the lower credit-score floor, LendingOne or RCN Capital?
LendingOne, at 640. RCN Capital sets its floor at 660. That gap only matters to a borrower sitting between the two numbers.
Which publishes the lower rate range, LendingOne or RCN Capital?
LendingOne quotes 9%–12%; RCN Capital quotes 9.5%–12%. Where a specific file lands inside either range depends on leverage, credit and property type, so the published floor of one range beating the other's isn't the same as a guaranteed better price.
Which handles a larger loan, LendingOne or RCN Capital?
LendingOne runs $85,000–$2,000,000; RCN Capital runs $100,000–$3,500,000. That gap mostly matters at either end of the range.
Which closes faster, LendingOne or RCN Capital?
LendingOne quotes a 14-21 days typical close; RCN Capital quotes 10-21 days typical. On a competitive acquisition that gap can be the whole decision.

LendingOne

An investor whose property cash-flows down to a 0.75 DSCR and who carries at least a 640 credit score

Lender profile Requirements

RCN Capital

An LLC-titled investor with a 660+ credit score and a fully-qualifying 1.00 DSCR, financing a larger or multi-property rental deal across RCN's 44-state footprint

Lender profile Requirements

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