Lender profile
RCN Capital
hard money · South Windsor, CT · founded 2010
Verified Sep 17, 2026
RCN Capital's rental program requires a 1.00 minimum DSCR, a 660 minimum credit score, and title in an LLC, with coverage across 44 states. Loan sizes run $100,000 to $3,500,000 at up to 80% LTV / 90% LTC, sized for larger deals and multi-unit rental properties. RCN Capital is a hard money lender, founded in 2010, headquartered in South Windsor, CT, describing its footprint as "National".
For a rental investor, the products on file are fix-and-flip, BRRRR, rental, bridge, new-construction. On the deal itself, RCN Capital publishes loan sizes from $100,000 to $3,500,000 and leverage up to 80% LTV / 90% LTC.
No SEC filing establishes a corporate-ownership relationship for RCN Capital— the ordinary case for a privately held company with no public debt or equity outstanding, not a sign of anything irregular. Its published lending figures were last checked against a source it published on Sep 17, 2026.
Published facts
Loan size
$100,000 – $3,500,000
Max LTV
80%
Max LTC
90%
Min credit score
660
Min DSCR
1.00
Rate range
9.5% – 12%
Points
1 – 3
States covered
44
Entity
LLC or entity required
Terms
12-24 months (hard money) / 30-year (rental)
Close time
10-21 days typical
Verification record
Reviewed Sep 25, 2026
⬜ No SEC filing to check against — RCN Capital is privately held and files nothing with the SEC under its own name, or no filing naming it was found. This is the expected, normal case for the large majority of lenders on this site, not a red flag.
Only hits are for Rentech Inc /CO/, an unrelated energy company matched on the word fragment 'RCN'; no SEC registrant relationship found.
✅ Published criteria verified — Sep 17, 2026.
⬜ Regulatory complaint check — not yet run.
What RCN Capital has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask RCN Capital about, not as a criticism. Of the 11 criteria categories this directory tracks, RCN Capital has not published 1:
- Origination channel (17 of 38 lenders here publish it)
Products
- fix-and-flip — short-term financing for a purchase-renovate-resell project, sized against the finished value rather than the purchase price alone See the glossary entry.
- BRRRR — financing built for the buy-rehab-rent-refinance-repeat cycle — a short-term acquisition/rehab loan meant to be followed by a refinance into a long-term rental loan
- rental — a longer-term loan on a tenanted or rent-ready property, underwritten on the hold rather than the flip
- bridge — short-term financing meant to be replaced by a permanent loan once a condition — renovation, lease-up, sale — is met
- new-construction — financing for a ground-up build rather than a renovation of an existing structure
Strengths
- 1.00 minimum DSCR
- 44-state coverage
- Loan sizes up to $3,500,000 for larger or multi-unit rentals
- LLC-only origination
Who this lender suits
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
Deal scenarios RCN Capital clears
RCN Capital's published criteria clear 11 of the 119 deal scenarios this site tests — computed the same way every /loan-for/ page computes its own roster, from the stored fields above, not curated by hand. A scenario only counts here if its numeric rules actually narrowed the lender pool; scenarios that match on product tags alone are left out.
Credit and qualification (1)
Cash flow and DSCR (1)
Purpose and structure (5)
Rehab and construction (2)
Leverage and pricing (2)
How RCN Capital compares
RCN Capital vs Civic Financial Services
Turns mainly on DSCR floor (1.05 vs 1.00) and maximum loan size ($2,000,000 vs $3,500,000).
RCN Capital vs Iron Bridge Lending
Turns mainly on maximum loan size ($3,000,000 vs $3,500,000) and LLC/entity vesting requirement.
RCN Capital vs Kiavi
Turns mainly on DSCR floor (0.80 vs 1.00) and state coverage (49 vs 44 states).
RCN Capital vs LendingOne
Turns mainly on DSCR floor (0.75 vs 1.00) and credit floor (640 vs 660).
RCN Capital vs Lima One Capital
Turns mainly on state coverage (46 vs 44 states) and maximum loan size ($2,500,000 vs $3,500,000).
RCN Capital vs New Silver
Turns mainly on DSCR floor (0.75 vs 1.00) and state coverage (39 vs 44 states).
RCN Capital vs Renovo Financial
Turns mainly on maximum loan size ($3,500,000 vs $5,000,000) and LLC/entity vesting requirement.
RCN Capital vs ROC Capital
Turns mainly on maximum loan size ($3,500,000 vs $5,000,000) and LLC/entity vesting requirement.