Lima One Capital vs. RCN Capital
A side-by-side on the fields both lenders publish, followed by a read on where they actually differ.
| Criteria | Lima One Capital Verified 17 Sep 2026 | RCN Capital Verified 17 Sep 2026 |
|---|---|---|
| Type | hard money | hard money |
| Headquarters | Greenville, SC | South Windsor, CT |
| Founded | 2010 | 2010 |
| Geographic focus | National | National |
| States licensed | 46 states | 44 states |
| Products | fix-and-flip, BRRRR, rental, new-construction, multi-family, bridge | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size range | $75,000–$2,500,000 | $100,000–$3,500,000 |
| Max LTV | 80% | 80% |
| Max LTC | 92% | 90% |
| Min DSCR | 1.00 | 1.00 |
| Terms | 6-24 months (hard money) / 30-year (rental) | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical | 10-21 days typical |
| Rate range | 7%–12% | 9.5%–12% |
| Points | 1–3 pts | 1–3 pts |
Where they actually differ
Lima One Capital also writes multi-family. A deal that specifically needs one of those only has one side of this comparison to go to.
Leverage: Lima One Capital tops out at 80% LTV / 92% LTC, against 80% / 90% at RCN Capital. More leverage means less cash to close and a thinner equity cushion — which side of that trade matters depends on how much cash the deal has to begin with.
Lima One Capital is licensed in 46 states; RCN Capital in 44. Confirm the property's state is actually covered before comparing anything else.
Pricing: Lima One Capital quotes 7%–12% and 1–3 points; RCN Capital quotes 9.5%–12% and 1–3 points. Where a specific file lands inside either range depends on leverage, credit and property type.
Questions
Do Lima One Capital and RCN Capital set the same DSCR floor?
Does one of these two write a loan product the other doesn't?
Which offers more leverage, Lima One Capital or RCN Capital?
Which is licensed in more states, Lima One Capital or RCN Capital?
Which publishes the lower rate range, Lima One Capital or RCN Capital?
Lima One Capital
A BRRRR or multi-family investor who wants the rehab-to-rental refinance and the long-term DSCR loan from a single lender, qualifying at a 1.00 DSCR across 46 states
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