Why RCN Capital Is a Top DSCR Lender for Brokers

The real estate landscape is evolving, with more and more investors using debt-service coverage ratio (DSCR) loans to finance home acquisitions. As conventional lenders tighten their guidelines, investors are turning to private lenders to help them fund rental property deals. But if you are a broker or lending partner, how can you decide which DSCR lender is best to work with?

RCN Capital has a proven track record of funding real estate investments, with a streamlined underwriting process that’s designed to help you finance deals quickly and reliably. Here’s a few more key reasons why RCN Capital is a top DSCR lender for brokers and lending partners.

Key Takeaways:

• DSCR programs start at just 1.00, making it easier to qualify deals while maintaining strong investment performance.
• Competitive leverage with up to 80% LTV on single-family and 70% on small multifamily properties helps maximize purchasing power.
• Flexible underwriting with a minimum 660 FICO focuses more on property cash flow than borrower income.
• Broad property coverage and scalable financing options support everything from single rentals to large portfolios.
• Fast closings, dedicated lending teams, and broker-friendly perks help you move deals quickly and grow your business.

DSCR Minimums Start at 1.00

RCN Capital’s DSCR loan programs start at a minimum of 1.00 for DSCR. This is a perfect balance for both the lender and the borrower, ensuring that an investment remains profitable while still having financing available for a wide range of properties. Financing programs are also available for both single and multifamily rental properties. For rental properties without a tenant in place, RCN Capital relies on appraised market rent during the underwriting process.

High LTV Options Are Available for Different Property Types

Loan-to-value refers to the total amount of leverage on a loan, which has a direct impact on DSCR. A higher LTV typically leads to a lower DSCR, since the monthly loan payment also increases. On RCN Capital’s single-family DSCR loans, LTV caps out at 80%. For smaller multifamily properties (2-4 units), programs go up to 70% LTV. Financing for larger multifamilies is available through our dedicated Structured Finance Group, which also offers bridge and portfolio financing options.

Minimum Credit Is Low at 660 FICO

Another great benefit of RCN Capital’s DSCR program is the low credit requirement. Unlike conventional mortgages, which have stricter requirements for the borrower’s credit history, private loans are more focused on the investment property’s performance. This helps your clients qualify for financing even if they have less-than-perfect credit and may not qualify for a conventional mortgage. However, borrowers may qualify for better terms if they have higher credit (in the 700+ range).

We Fund a Broad Range of Property Types

RCN Capital’s loan programs cover a variety of property types, including both single and multifamily homes, which means you can fund a wider range of your client’s deals. We offer flexible loans terms that can be tailored to any specific deal, and for large portfolios, structured financing options are available through our dedicated Structured Finance Group. Interesting in learning more? Visit our Loan Programs page or contact us directly with any questions about a specific deal.

Financing Options Scale as Investors Grow

Our financing programs are designed to help investors scale faster, with customizable terms that allow them to reach their investing goals. We understand the investing game, and can help you align financing options with your client’s long-term strategy. A thorough underwriting process helps ensure that investments will remain profitable even if market conditions change. As your client’s investments grow, refinance and portfolio options allow them to fund new acquisitions without having to deal with the limitations of conventional loans. This also helps you grow your pipeline as these clients return to you for future deals.

Turnaround Times Are Fast and Closings Are Smooth

RCN Capital focuses on delivering a fast and reliable closing process that gives borrowers (and brokers) a better lending experience. Underwriting is streamlined with fast closings on completed submission packages. We also prioritize speed & consistent communication, which helps us navigate issues and potential delays as fast as possible. This is especially important in competitive markets, where speed is a factor for securing lucrative opportunities that tend to go quickly. Partner with us today to see how we can make a difference in your lending operation.

What Makes Our DSCR Programs Broker-Friendly?

RCN Capital is the leading private lender for wholesale partners, and we offer benefits that help brokers grow their lending business and close more deals. Every loan gets a dedicated lending team that can answer any questions and ensure that deals go through smoothly and quickly. Broker compensation is transparent; fees are clearly disclosed and paid at closing, and we will never go around you to contact clients. Additionally, we offer free resources to help you be more effective, including white-label marketing materials and FREE education through our Amplify learning platform.

Partner With a Lender That Can Make the Difference

If you want to maximize the returns on your clients’ investments, 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 DSCR financing to your clients, RCN Capital has competitive loan options and an award-winning broker referral program available to partners.