RCN Capital, LLC
Overview
Private lender offering non-qm, hard money, fix & flip and rehab loans.
Year Founded
2010
Forward Flow Persona
Loan Programs
Fix & Flip Loans (1-4 Family)
Rate
Starting at 9.24% (As low as 9.49% for standard guidelines)
Max LTV
Purchase: Up to 100% of Purchase Price + 100% of Renovation Costs (Max 75% ARV for 10+ flips experienced; 80%-95% purchase for lower experience levels); Refinance: Up to 75% As-Is Value + 100% Rehab; Cash-Out: Up to 60% As-Is Value + 100% Rehab
Term
12–18
Min Credit Score: 650
Amortization: Interest-Only
Coverage: Nationwide except AK, NV, UT, ND, SD, VT
Finances up to 100% of purchase price and 100% of renovation costs, not to exceed 75% of After-Repair Value (ARV). • Interest is charged only on the outstanding drawn balance, not on the rehab holdback funds.
Long-Term Multi-Family Loans (5-9 Units)
Max LTV
Purchase: Lesser of up to 70% As-Is Value or 70% LTC; Refinance: Up to 70% As-Is Value; Cash-Out: Up to 65% As-Is Value
Term
360
Min Credit Score: 700
Amortization: 30-Year Amortization and Interest-Only options available
Coverage: Nationwide except AK, NV, UT, ND, SD, VT
30-year long-term rental financing tailored for 5 to 9 unit multi-family apartment properties. • Requires minimum value per unit and 700 minimum credit score.
Long-Term Rental Loans (1-4 Family DSCR)
Rate
Starting at 5.75%
Max LTV
Purchase: Lesser of up to 80% As-Is Value or 80% LTC; Refinance: Up to 80% As-Is Value; Cash-Out: Up to 75% As-Is Value
Term
360
Min Credit Score: 660
Amortization: 30-Year Fixed, Hybrid ARMs (5/1, 7/1, 10/1), and Interest-Only options
Coverage: Nationwide except AK, NV, UT, ND, SD, VT
30-year long-term debt service coverage ratio (DSCR) program for 1-4 family residential rental properties with a minimum 1.00 DSCR requirement. • Flexible amortization options including 30-year fixed, interest-only, and 5/1, 7/1, and 10/1 ARMs.
New Construction Loans
Rate
Starting at 9.84%
Max LTV
Purchase Initial Advance: Up to 75%–80% As-Is Value / Purchase Price; Max Total Loan-to-Cost: Up to 85%–90% LTC; Max ARV: Up to 65%–75% ARV
Term
12–24
Min Credit Score: 650
Amortization: Interest-Only
Coverage: Nationwide except AK, NV, UT, ND, SD, VT
Ground-up construction financing for non-owner occupied 1-4 unit residential properties, condos, and townhomes. • Finances up to 90% Total Loan-to-Cost and 75% of After-Repair Value (ARV).
Rental Portfolio Loans (Structured Finance)
Max LTV
Purchase: Up to 70% As-Is Value / 70% LTC; Refinance: Up to 65% As-Is Value; Cash-Out: Up to 65% As-Is Value
Term
60, 84, or 120
Loan Size
5,000,000+
Min Credit Score: 680
Amortization: 30-Year Amortization and Interest-Only options available
Coverage: Nationwide except AK, NV, UT, ND, SD, VT (Multi-state and scattered site portfolios accepted)
Institutional blanket rental portfolio financing for 20 to 100+ units across residential 1-4 family, condos, townhomes, and 5-9 unit properties. • Offers non-recourse options, flexible prepayment structures, and dedicated Structured Finance team support.
Short-Term Multi-Family & Fix & Flip Loans (5+ Units)
Max LTV
Stabilized Bridge Purchase: Up to 75% As-Is Value; Refinance: Up to 70% As-Is Value; Cash-Out: Up to 65% As-Is Value. Fix & Flip Purchase: Up to 80% Purchase + 100% Rehab (Max 70% LTC / 65% ARV)
Term
12–18
Min Credit Score: 650
Amortization: Interest-Only
Coverage: Nationwide except AK, NV, UT, ND, SD, VT
Short-term bridge and renovation financing for 5+ unit apartment buildings and mixed-use properties (residential space representing 70%+ of total sq ft). • Offers extended terms and up to 100% renovation cost financing.
Stabilized Bridge Loans
Max LTV
1-4 Family: Up to 80% As-Is LTV / 80% LTC; Multi-Family (5+ Units): Up to 75% As-Is LTV / 75% LTC; Refinance: Up to 70% LTV; Cash-Out: Up to 60%–65% LTV
Term
12
Min Credit Score: 650
Amortization: Interest-Only
Coverage: Nationwide except AK, NV, UT, ND, SD, VT
Short-term bridge financing for non-owner occupied 1-4 family residential, 5+ unit multi-family, and mixed-use properties. • Provides fast liquidity for property acquisitions, rate/term refinances, and cash-out refinancing.
Lending Criteria
- Max LTV
- Purchase: Up to 100% of Purchase Price + 100% of Renovation Costs (Max 75% ARV for 10+ flips experienced; 80%-95% purchase for lower experience levels); Refinance: Up to 75% As-Is Value + 100% Rehab; Cash-Out: Up to 60% As-Is Value + 100% Rehab • Purchase: Lesser of up to 70% As-Is Value or 70% LTC; Refinance: Up to 70% As-Is Value; Cash-Out: Up to 65% As-Is Value • Purchase: Lesser of up to 80% As-Is Value or 80% LTC; Refinance: Up to 80% As-Is Value; Cash-Out: Up to 75% As-Is Value • Purchase Initial Advance: Up to 75%–80% As-Is Value / Purchase Price; Max Total Loan-to-Cost: Up to 85%–90% LTC; Max ARV: Up to 65%–75% ARV • Purchase: Up to 70% As-Is Value / 70% LTC; Refinance: Up to 65% As-Is Value; Cash-Out: Up to 65% As-Is Value • Stabilized Bridge Purchase: Up to 75% As-Is Value; Refinance: Up to 70% As-Is Value; Cash-Out: Up to 65% As-Is Value. Fix & Flip Purchase: Up to 80% Purchase + 100% Rehab (Max 70% LTC / 65% ARV) • 1-4 Family: Up to 80% As-Is LTV / 80% LTC; Multi-Family (5+ Units): Up to 75% As-Is LTV / 75% LTC; Refinance: Up to 70% LTV; Cash-Out: Up to 60%–65% LTV
- Min Credit Score
- 650 • 700 • 660 • 680
Summary across 7 loan programs.
Where We Lend
Lending footprint coming soon.
Property Types
Property type info coming soon.
Lending Professionals
Team info coming soon.
Company Information
Broker Referral / Info Team — Broker referral contact
Sources & Data Status
Profile data is compiled from public sources and has not been verified by the lender.
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