Requirements
RCN Capital lending requirements
The published qualifying criteria for RCN Capital — the thresholds a deal is screened against before anything else about it matters. Verified Sep 17, 2026.
Minimum credit score
660
RCN Capital sets its credit floor at 660. A borrower scoring below that is not eligible for this program, independent of how the property itself cash-flows.
Minimum DSCR
1.00
A 1.00 floor means rent has to at least equal the full monthly payment. A property renting for $1,900 against a $2,000 payment — a 0.95 DSCR — falls short and does not qualify here, even though it would clear a program with a floor below 1.00. See How DSCR is calculated.
Maximum leverage
80% LTV / 90% LTC
Maximum loan-to-value is 80% of the property's appraised value — the borrower brings at least 20% of value in cash or equity. Maximum loan-to-cost is 90% of total project cost — purchase price plus rehab budget. That is the binding number on a value-add deal where the finished value will exceed the purchase price, since an LTV cap alone would understate what RCN Capital will actually lend against the project.
Loan size
$100,000 – $3,500,000
Loan sizes run from $100,000 to $3,500,000. A deal outside that band, in either direction, is outside RCN Capital's box regardless of credit score or DSCR.
Entity requirement
LLC or entity required
RCN Capital originates only to a legal entity. A borrower planning to close as an individual is not eligible here — title needs to sit in an LLC or corporation before closing. See Titling a rental in an LLC.
State coverage
44 states
RCN Capital is licensed in 44 states as of the verification date below. A property outside that footprint is not eligible here regardless of how it scores on every other criterion.
Reading these thresholds together
RCN Capital publishes 6 of the 7 criteria categories this directory tracks (credit score, DSCR, leverage, loan size, entity requirement, origination channel, and state coverage). Any category not shown above is not publicly disclosed by RCN Capital as of Sep 17, 2026 — treat an absent category as unknown, not as "no requirement."
None of these thresholds are guarantees. A deal that clears every published floor still goes through underwriting on the specific property, borrower history, and documentation . These are the gates a deal has to clear before that review even starts.