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.

Why Private Lenders Are Essential for Long-Term Rental Success – A Broker’s Perspective


Why Private Lenders Are Essential for Long-Term Rental Success – A Broker’s Perspective
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Long-term rental investments continue to be one of the most effective ways to generate consistent cash flow and build lasting wealth. As a mortgage broker, private lender, or referral partner, you already understand the financial potential of rental properties. However, you also know that securing financing through traditional channels isn’t always the best fit for your clients.

This is where private lending plays a crucial role in helping investors scale their portfolios with speed and flexibility. More importantly, it’s an opportunity for wholesale lending partners—including residential mortgage brokers, commercial brokers, and private lenders—to provide real estate investors with financing solutions that align with their long-term goals.

If you're looking for ways to expand your lending portfolio and offer more value to your clients, let’s explore why private lenders for real estate investors are essential for long-term rental success and how they can be a game-changer for brokers like you.

The Challenges of Traditional Financing for Long-Term Rental Loans

While conventional mortgage loans from banks and credit unions are an option for some investors, they often come with strict requirements and lengthy approval processes. This makes it difficult for real estate investors to quickly capitalize on Long-Term Rental investment opportunities.

Key Challenges Brokers Face with Traditional Lenders:

  1. Lengthy Processing Times – Loan approvals can take weeks or even months, causing investors to miss out on profitable deals.
  2. Strict Qualification Criteria – Many real estate investors struggle to qualify due to income documentation, credit score requirements, and debt-to-income ratios.
  3. Limited Property Types – Banks often avoid financing properties that require renovations or don’t meet their rigid underwriting guidelines.
  4. Lack of Flexibility – Traditional lenders do not offer customized loan structures, making it difficult for investors to scale their rental portfolios efficiently.

As a broker, working with private lenders can help you bypass these obstacles, offering your clients faster access to funding and more tailored lending solutions.

How Private Lenders Support Brokers & Their Clients

Unlike traditional banks, private lenders offer Long-Term Rental loans based on the value of the investment property rather than solely relying on an investor’s personal financial profile. This creates an opportunity for brokers to expand their services and close more deals by partnering with flexible lending institutions.

Advantages for Mortgage Brokers and Wholesale Lenders:

  • Faster Closings: Private lenders can fund deals in as little as 10–14 days, allowing you to help clients secure properties quickly.
  • Asset-Based Lending: Loan approvals are based on the property’s value and income potential, not just the borrower’s credit score or income.
  • More Lending Opportunities: You can work with investors who may not qualify for conventional loans but have profitable real estate opportunities.
  • Higher Deal Volume: With a faster loan process and flexible qualification standards, brokers can increase loan closings and commissions.

For brokers looking to establish strong client relationships and create long-term revenue streams, private lenders for real estate investors offer a competitive edge that traditional banks simply cannot match.

Types of Private Loan Solutions for Brokers

Private lending isn’t just about fast funding—it’s about providing financing solutions that meet the unique needs of real estate investors. By working with private lenders, brokers can offer various loan products to suit different investment strategies.

1. Long-Term Rental Loans

These loans are specifically designed for investors who want to hold rental properties for long-term cash flow. Private lenders provide Long-Term Rental investment financing with flexible terms, allowing investors to secure properties without the red tape of conventional loans.

Key Benefits for Brokers:

  • Available for single-family and multifamily rental properties
  • Loan approvals based on property cash flow (DSCR loans)
  • No personal income verification required

2. Portfolio Loans

Instead of handling multiple mortgages, private lenders offer portfolio loans, allowing investors to finance multiple rental properties under a single loan.

Why This is a Win for Brokers:
 

  • Easier management of multiple properties under one loan
  • Investors can scale their portfolios faster
  • Higher loan volume means increased commissions

3. Bridge Loans

A powerful short-term solution, bridge loans allow investors to acquire new properties quickly before securing long-term financing.

Ideal for:

  • Investors who need immediate capital to secure a deal
  • Clients flipping properties before refinancing
  • Brokers looking to offer fast, high-leverage funding

By partnering with a private lender, brokers can offer clients customized financing options that traditional banks simply don’t provide.

How Private Lenders Help Brokers Build Their Business

If you’re a mortgage broker or wholesale lender, working with private lenders isn’t just about offering financing—it’s about growing your business and increasing revenue opportunities.

1. More Closings, More Commissions

Since private loans have fewer qualification barriers and faster approvals, brokers can close more deals and earn commissions at a higher volume.

2. Build a Competitive Edge

By offering Long-Term Rental loans through private lenders, you differentiate yourself from competitors who rely solely on conventional lending.

3. Expand Your Network

Partnering with private lenders allows brokers to build stronger relationships with real estate investors, developers, and referral partners, leading to ongoing business opportunities.

4. Offer a Full Spectrum of Financing Options

With access to a variety of loan products—rental, fix-and-flip, bridge, and portfolio loans—brokers can provide tailored financing solutions to investors at every stage of their real estate journey.

Comparing Private Lenders to Traditional Lenders

To help your clients understand the difference, here’s a quick comparison between private and traditional lenders:

Feature

Traditional Lenders

Private Lenders

Approval Time

30–60 days

10–14 days

Credit Score Requirements

High

Lower/More Flexible

Loan Term Customization

Limited

Highly Flexible

Funding for Renovations

Not Available

Available

Property-Based Underwriting

No

Yes

Ideal for Rental Investors

No

Yes

Private lending offers a faster, more adaptable financing option, making it the preferred choice for investors who need capital to scale their portfolios without unnecessary delays.

Partner with RCN Capital for Your Wholesale Lending Needs

At RCN Capital, we specialize in working with mortgage brokers, private lenders, and referral partners to provide Long-Term Rental loans and other real estate financing solutions.

Why Work with RCN Capital?

  • Fast & Reliable Funding – Approvals in 10–14 days
  • Flexible Loan Terms – Tailored solutions for rental investors
  • Dedicated Broker Support – Work with a team that understands wholesale lending
  • Competitive Loan Programs – High leverage, no income verification, and DSCR-based underwriting

Final Thoughts

As the demand for Long-Term Rental investment continues to grow, brokers and wholesale lenders have an incredible opportunity to expand their business by working with private lenders.

By offering fast approvals, flexible terms, and scalable loan options, private lending allows brokers to help their clients build successful rental portfolios while increasing their own revenue streams.

So, whether you're a mortgage broker, private lender, or referral partner, now is the time to leverage private lending solutions and take your business to the next level.

Ready to explore wholesale lending opportunities? Let’s talk!