LOAN PROGRAMS

RCN Capital offers short-term and long-term financing options for real estate investors. Whether you or your clients are looking to fix & flip properties or hold properties for rental income, RCN has flexible options that suit your needs.

Final loan terms may vary based on loan types, verification of application information, and other risk-based factors.

PARTNERS

RCN Capital values building strong partnerships with industry professionals because partnerships drive our success. Learn more about RCN Capital’s Wholesale Lending opportunities, including the Broker Referral Program and the Correspondent Lending Program.

ABOUT

RCN Capital is a nationwide private, direct lender. Established in 2010, we provide retail and wholesale lending options for short-term fix and flip financing, long-term DSCR financing, and ground-up construction financing for real estate investors.

Resources

RCN Capital provides a variety of resources that can help you on your lending journey. Find business partners that can help solve any investing problem, learn more about our processes and get answers to the most frequently asked questions.

Close More Deals with RCN Capital’s Broker-Focused Loan Programs


Close More Deals with RCN Capital’s Broker-Focused Loan Programs
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The market is moving fast, and that means you must move faster. With 30-year mortgage rates at about 6.72% and the average investment property selling in only 23 days on the market, real estate investors have no time to waste, and they will not settle for you to waste any either. However, traditional lenders are getting overwhelmed, and approvals are taking longer. That leaves you in a tough spot, particularly when customers demand speed, flexibility, and certainty.

If you've ever lost a deal waiting for a slow bank response, you know firsthand how costly that delay can be. Recent data shows that private lending has now surpassed $2.1 trillion in origination volume, and traditional mortgage applications have fallen 6.2% year-to-date. It's obvious where the opportunity is. Brokers working with the right lender are the ones winning more deals.

RCN Capital keeps you in the driver's seat. Being direct private lender with in-house underwriting, RCN Capital is designed for brokers who require speed and confidence to close. No surprise fees. No poaching clients. No surprises. Just streamlined closings—oftentimes within as little as 10 business days. This guide demonstrates precisely how to utilize RCN Capital loan programs to effectively grow your real estate brokerage.

Why RCN Capital Stands Out as the Best Private Lender for Mortgage Brokers

RCN Capital is as a nationwide direct private lender, founded in 2010 with a specific intent on financing real estate investments. We established our roots in our effective underwriting process, where decisions are all made internally, eliminating the delays and complications associated with third-party decision makers.

Private lender's prioritize speed and confidence to a level unrivaled by traditional lenders, where closings can be achieved in as little as 10 business days.

Benefits of our Broker-Centric Structure:

  • Flexible referral options: hands‑off or active deal management.
  • Compensation is tied to involvement and the loan scenario.
  • Transparent fee disclosure on commitment letters and HUD statements.

Take Advantage of our Dedicated Lending Team

  • Experienced specialists manage every step from application through closing.
  • Direct access to underwriting and funding—no siloed departments.

This capability becomes crucial when your clients need to act quickly on profitable opportunities.

Core Loan Programs to Close More Deals

Program

Term

Max LTV/ARV

Rates From

Ideal Use Case

Fix & Flip

12–18 months

75% ARV; 95% LTC (rehab)

9.20%

Rapid rehab projects

Long-Term Rental

30 years

80% LTV

5.75%

Buy‑and‑hold investors

Multifamily

30 years

70% LTV

6.50%

5+ unit apartments

New Construction

12–24 months

75% initial; 90% total cost

9.99%

Ground‑up construction

Rental Portfolio

Flexible

Up to 70% single‑note

Varies

Multiple-property financing

Tip: Emphasize how each program fits your client's investment plan, demonstrating that you get their objectives and can design solutions for them.

The RCN Capital Broker Program Advantage

RCN Capital has designed its broker program to resolve the most typical frustrations with working with other lenders. The program is built around transparency, speed, and broker protection with a number of important features.

Streamlined Onboarding Process

The broker registration process usually takes less than a week from initial inquiry to the first loan submission. The four-step process consists of submitting our registration application, scheduling an onboarding call, training for BLN software (our white-labeled loan management system), and signing the contract agreement through DocuSign.

Competitive Compensation Structure

RCN Capital offers brokers flexible compensation terms based on your level of involvement and individual loan situation. Yields and points may be earned by brokers, with fees disclosed in full on commitment letters. Flat finder's fees are offered for non-participating referrals.

Our 2024 internal statistics indicate brokers earn an average of 1.2% of the funded loan balance, demonstrating RCN Capital's varied product mix and competitive compensation.

Advanced Technology Platform

The white-labeled BLN (Bridge Loan Network) platform is used as more than just a portal. The easy-to-use loan management software streamlines intake via online applications, automates workflows such as document gathering and credit pulls, and offers pipeline management tools that reflect RCN Capital's internal workflow.

Brokers utilizing the BLN platform have reported 40% quicker turnaround times and 25% greater yearly closing rates than those utilizing traditional processing techniques.

How to Close More Deals with RCN Capital

Achieving success with RCN Capital is contingent upon knowing how to use best make use of the advantages we provide. The following techniques have worked best for high-producing brokers:

Master the Pre-Approval Process

RCN Capital offers 24-hour decisions on full DSCR and bridge loan requests. Term sheets are ready the following business day for most ARV and short-term transactions. This speed is an edge that is invaluable when competing for off-market deals.

Successful pre-approval involves securing full documentation upfront, such as two years of tax returns, bank statements, rent rolls for rental properties, and detailed rehabilitation estimates for fix-and-flip projects.

Match Loan Products to Client Strategies

Knowing each loan program's unique strengths allows you to match each client with an ideal solution. Bridge loans are best suited for rapid acquisition and rehabilitation projects, while long-term rental programs best accommodate buy-and-hold investors targeting cash flow generation.

The key lies in conducting thorough client interviews to understand their investment timeline, risk tolerance, and exit strategy preferences.

Utilize Market Intelligence

RCN Capital operates in 45 states, excluding Alaska, Nevada, North Dakota, South Dakota, and Vermont. This broad geographic coverage allows brokers to serve clients across multiple markets while maintaining consistent lending standards and processing procedures.

Knowing local market conditions enables you to position loan products more effectively and adds value during the underwriting stage.

Broker Protection and Transparency

  • White‑Labeled BLN Portal: Your branding, your URL, your pipeline.
  • Client Tagging: Borrowers remain tied to originating brokers, even if they contact RCN Capital directly.
  • Upfront Fee Disclosure: All compensation appears on commitment letters and HUD settlement statements.
  • Non‑Circumvention Policy: A formal agreement ensures RCN Capital never bypasses you to contact your clients.

Steps to Get Started

  1. Complete the Broker Registration Application on the RCN Capital website.
  2. Schedule an Onboarding Call with a Broker Onboarding Specialist.
  3. Access BLN Software Training through the self‑guided Amplify platform.
  4. Sign the Broker Agreement via DocuSign.
  5. Submit Your First Deal and experience streamlined approvals and fast closings.

Final Thoughts

Closing more deals in today’s fast‑moving market demands a lending partner built for speed, transparency, and broker protection. RCN Capital's direct private-lender approach, full-line loan programs for real estate brokers, and broker-friendly referral program provide you with the competitive advantage to complete time-sensitive deals and expand your business.

Ready to close more deals with RCN Capital? Complete your broker registration today and begin taking advantage of industry-leading loan programs specifically designed for brokers like you.