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.

Tap Into the Power of DSCR Loans to Grow Your Brokerage


Tap Into the Power of DSCR Loans to Grow Your Brokerage
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The rental property market continues to grow, even in the face of elevated interest rates and housing supply shortages affecting the greater US real estate market. The many benefits of this asset class hold strong despite economic challenges, and investors are flocking to them as the foundation of a strong portfolio. Brokers would do well to pay special attention to rental investments, as offering specialized loan products can help you tap into a growing market and close more loans. In this post, we’ll break down the benefits of specialized rental property financing like DSCR programs and how adding them to your loan offerings can help you reach more clients and better position you for success. 

Man holding virtual hologram of city, house, and a growing business graph

The Rise of Rental Property Investing 

Demand for rental properties is still trending upwards, especially for single-family rentals, where prices have risen 4.4% year-over-year in Q4 of 2024. Even though housing supply has begun to stabilize, the sheer demand for housing still far outpaces it, leading to some great opportunities for savvy investors. This also presents an opportunity for lending partners like you to meet the demand for acquiring and financing these investments. Having a range of specialized loan products on offer allows you to tailor financing to meet the unique needs of each investor and close more loans as a result. 

Why DSCR Loans Are a Broker’s Goldmine 

One of the strongest financing products you can offer to clients is the DSCR loan. It is a long-term financing program where loan approval is dependent on the Debt-Service Coverage Ratio, or put simply, how much of a property’s expenses are covered by its income. This aspect helps borrowers qualify for financing even when they have less-than-perfect credit, existing debt obligations, or non-W2 income. It can be an incredibly helpful tool for brokers because it means you can help investors fund deals in a wider range of scenarios. 

As for program-specific benefits, the private lenders who offer these loans can deliver funding much faster than conventional providers, and they are not subject to the same limitations as standard FHA programs. This enables your clients to fund multiple deals simultaneously and win more often in highly competitive markets. Offering these programs also lets you reach a new audience of seasoned rental property investors, giving you access to a new source of repeat business. 

How Brokers Can Position Themselves for Success 

Here are the key steps you can take to set yourself up for success with rental property lending: 

  1. Take time to familiarize yourself with and understand the finer details of the full range of rental property loan products. This includes conventional mortgages, DSCR programs, and portfolio loans. 
  2. Partner with a wholesale lender that specializes in rental financing. Be sure they have a good track record of delivering funding for real estate investments, and that they prioritize speed and communication so you can provide your clients with a stellar experience. 
  3. Educate yourself on the underwriting criteria of your chosen lender, and take advantage of the tools, resources, and marketing materials they provide to their broker partners. 
  4. Begin to market yourself as a broker who specializes in rental property financing. Attend real estate focused events and utilize social media to enhance your presence a reach more of your new target audience. 

Tips to Build a Strong Rental Investor Client Base 

Speaking of reaching new clients, there are a few strategies you can utilize to connect with investors that specialize in rental properties. It’s all about marketing yourself as a rental-focused financing partner. For instance, your social media accounts can be used to promote lucrative deal finds and past success stories, furthering your credibility in the space. Be sure to utilize your email marketing channels in the same way, regularly staying top of mind with existing clients. Attending real estate conferences and even smaller local events & meetups can also be a great way to connect with this target audience directly. Last but not least, you can offer free learning sessions like webinars or workshops to stoke interest in the asset class, and it also opens the door to starting the financing conversation with these investors. 

What to Look for in a Lending Partner 

Your ability to deliver effective financing depends directly on the lending partner you choose to work with. A good partner will be able to close loans faster and offer flexible and competitive terms which help your clients make the most of the funds. Be sure to investigate the reputation of the company and read reviews to get an idea of how they typically operate. You will know you’re working with a quality lender if they have a broker-focused referral program and a dedicated customer support team that understands investor pain points. A stellar partner will also be able to offer additional resources such as training programs and white label marketing materials that help you effectively offer these loans. 

RCN Capital 

To help your clients maximize the returns on their next investment, partner with a lender that can provide you with the best leverages and rates. RCN Capital lends to real estate professionals, commercial contractors, developers & small business owners across the nation. We provide short-term fix & flip financing, long-term rental financing, and new construction financing for real estate investors and lending partners. If you are looking to offer rental property financing to your clients, RCN Capital has competitive loan options and an award-winning broker referral program available to partners.