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New Silver vs. RCN Capital

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

Criteria
New Silver Verified 17 Sep 2026
RCN Capital Verified 17 Sep 2026
Type hard money hard money
Headquarters West Hartford, CT South Windsor, CT
Founded 2018 2010
Geographic focus National National
States licensed 39 states 44 states
Products fix-and-flip, BRRRR, rental, bridge fix-and-flip, BRRRR, rental, bridge, new-construction
Loan size range $100,000–$3,000,000 $100,000–$3,500,000
Max LTV 85% 80%
Max LTC 90% 90%
Min credit score 660 660
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 5-14 days typical 10-21 days typical
Rate range 9.5%–11.75% 9.5%–12%
Points 1–3 pts 1–3 pts

Where they actually differ

New Silver 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.

RCN Capital adds new-construction. A deal that specifically needs one of those only has one side of this comparison to go to.

New Silver quotes a 5-14 days typical close; RCN Capital quotes 10-21 days typical. On a competitive acquisition that gap can be the whole decision.

Both set the same 660 minimum credit score, so this isn't where the two split.

Questions

Which has the lower DSCR floor, New Silver or RCN Capital?
New Silver, 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.
Do New Silver and RCN Capital set the same minimum credit score?
Yes — both set a 660 floor, so this isn't where the two split.
Does one of these two write a loan product the other doesn't?
RCN Capital adds new-construction. A deal that specifically needs one of those only has one side of this comparison to go to.
Which offers more leverage, New Silver or RCN Capital?
New Silver tops out at 85% LTV / 90% 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.
Which is licensed in more states, New Silver or RCN Capital?
New Silver is licensed in 39 states; RCN Capital in 44. Confirm the property's state is actually covered before comparing anything else.

New Silver

A newer investor who wants fast, tech-driven underwriting and can qualify at a 0.75 DSCR and 660 credit score across New Silver's 39-state footprint

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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