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.

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REAL ESTATE FINANCING

Review Current Guidelines for Fix and Flip, Long-Term DSCR, Ground-Up Construction, and Other Loan Programs.

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RECENT LOANS

View Recent Examples of Real Estate Investment Transactions that RCN Capital Has Funded.

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.

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BROKER REFERRAL PROGRAM

Get More Information on RCN Capital’s Broker Program with Different Levels of Involvement and Compensation to Best Suit Your Business.

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CORRESPONDENT LENDING

Partner with RCN Capital to Grow Your Private Lending Business by Accessing the Capital and Back-End Support You Need to Expand.

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PREFERRED VENDORS

View RCN Capital’s Curated Network of Trusted and Reliable Vendors to Streamline Your Real Estate Business.

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.

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CORE VALUES

Learn More About RCN Capital’s Core Values and What We Stand for as a Company.

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OUR TEAM

Meet Some of RCN Capital’s Key Employees That Have a Critical Role in the Organization.

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Recent Articles

Take a look at the latest from RCN Capital featuring Company News, our Video Library, and Recent Closed Loans.

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JOIN OUR TEAM

Review Open Positions at RCN Capital and Learn How You Can Start Your Career with a Leading Private Lending Today.

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FAQ

Review Answers to RCN Capital’s Most Frequently Asked Questions.

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.

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Amplify Your Education

Access Our Free, Self-Guided Wholesale Partner Training Platform Designed to Help You Master Real Estate Investment Loan Origination.

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DOCUMENT LIBRARY

Review and Download Important Documents That May Be Needed Throughout the Loan Process.

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REAL ESTATE INVESTING TERMS

Grow Your Real Estate Investing Knowledge with Our Simple Guides of Industry-Specific Terms.

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REHAB BUDGET BUILDER

Analyze Your Next Investment Property to Develop an Accurate Scope of Work and Maximize Your Return on Investment.

Short-Term & Long-Term Financing for Real Estate Investments

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Loan Programs

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

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

Click on a program below to learn more information about the financing options available:

Fix & Flip Loans

RCN Capital’s ARV Loan Program offers financing for up to 95% of the purchase price + 100% of renovation costs for rehab projects, not to exceed 75% of the after-repair value.

Plus, RCN Capital only charges interest on your outstanding balance, not on the rehab holdback so you don’t pay for the funds you aren’t using.

Loan Criteria

Collateral
Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes: 5+ Unit Apartments; Mixed-Use Properties
LTV:
Up to 95% of the Purchase Price + 100% of the Renovation Costs; Not to Exceed 75% of the ARV
Term:
12 – 18 Months
Minimum After Repair Value:
$100k for Single-Family
$100k for 2-4 Family
$375k for Multi-Family (5+)/Mixed-Use
Loan Amount:
$50k – $2M for 1-4 Family, Condos, & Townhomes
$250k – $3M for Multi-Family (5+)/Mixed-Use
Minimum FICO:
650
Rates:
As Low As 9.20% (Interest Only Charged on Outstanding Balance)
Pre-Payment Penalty:
N/A

ARV Loan Program Typical Leverages & Rates

NEW
INVESTOR

Completed up to 2 Flips
in the Last 3 Years

LTV
Up to 80% of Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 70% of the ARV
RATES
Starting at 10.74%

INTERMEDIATE
INVESTOR

Completed Between 3 & 5 Flips
in the Last 3 Years

LTV
Up to 90% of the Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 72.5% of the ARV
RATES
Starting at 10.24%

EXPERIENCED
INVESTOR

Completed More Than 10 Flips
in the Last 3 Years
(720+ Minimum FICO)

LTV
Up to 95% of the Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 75% of the ARV
RATES
Starting at 9.20%

READY TO GET STARTED?

Long-Term Rental Loans

RCN Capital remains committed to your future investments with our Long-Term Rental loan program. This program offers a 30-year term and rates starting at 5.75% to ensure that our customers have true long-term financing options.

Loan Criteria

Collateral
Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; Planned Unit Development (PUD)
LTV:
Purchase:
Lesser of up to 80% of the As-Is Value or Up to 80% Loan-to-Cost
Refinance:
Up to 80% of the As-Is Value
Cash-Out:
Up to 75% of the As-Is Value
Amortization Options:
30-Year Fixed, Hybrid ARMS (5/1, 7/1, 10/1) & Interest-Only Options Available
Property Values:

“As Is” Appraised Value Must Be $115k or Greater

(Geographical Restrictions May Apply)

Loan Amount:
$75k – $2M
Debt Service Coverage Ratio (DSCR):
1.05
Minimum FICO:
660
Rates:
Starting at 5.75%

Long-Term Rental
Loan Program Typical Leverages

PURCHASE

FICO
MAXIMUM LOAN-TO-VALUE (LTV)
MAXIMUM LOAN-TO-COST (LTC)
720+
Up to 80% of the As-Is Value
Up to 80% Loan-to-Cost
700 - 719
Up to 80% of the As-Is Value
Up to 80% Loan-to-Cost
680 - 699
Up to 75% of the As-Is Value
Up to 75% Loan-to-Cost
660 - 679
Up to 70% of the As-Is Value
Up to 70% Loan-to-Cost

REFINANCE

FICO
MAXIMUM LOAN-TO-VALUE (LTV)
720+
Up to 80% of the As-Is Value
700 - 719
Up to 80% of the As-Is Value
680 - 699
Up to 75% of the As-Is Value
660 - 679
Up to 65% of the As-Is Value

CASH-OUT

FICO
MAXIMUM LOAN-TO-VALUE (LTV)
720+
Up to 75% of the As-Is Value
700 - 719
Up to 75% of the As-Is Value
680 - 699
Up to 70% of the As-Is Value
660 - 679
Up to 60% of the As-Is Value

READY TO GET STARTED?

Multi-Family Loans

RCN Capital offers short-term bridge financing, fix and flip financing, & long-term rental financing for 5+ unit apartments.

Loan Criteria

Collateral
Multi-Family Apartment Buildings (5+ Units); Mixed-Use Properties (Residential Space Must Represent 70%+ of the Property's Total Square Footage)
Term:
12 – 18 Months (Extended Terms Available)
Loan Amount:
Short-Term: $250k – $2.5M ($1M Max per unit)
FICO:
Short-Term: 650 Minimum
LTV:
Stabilized Bridge

Purchase: Up to 75% of the As-Is Value
Refinance: Up to 70% of the As-Is Value
Cash-Out: Up to 65% of the As-Is Value

Fix & Flip
Purchase: Up to 80% of the Purchase Price + 100% of Renovation Costs
Refinance: Up to 75% of the As-Is Value + 100% of Renovation Costs
Cash-Out: Up to 70% of the As-Is Value + 100% of Renovation Costs

Short Term Multi-Family
Loan Program Typical Leverages

STABILIZED BRIDGE PROGRAM

PURCHASE

MAXIMUM LOAN-TO-VALUE (LTV)
Up to 75% of the As-Is Value

REFINANCE

MAXIMUM LOAN-TO-VALUE (LTV)
Up to 70% of the As-Is Value

CASH-OUT

MAXIMUM LOAN-TO-VALUE (LTV)
Up to 65% of the As-Is Value

FIX & FLIP PROGRAM

EXPERIENCED CUSTOMER

(Completed 5+ Flips in the Last 3 Years)

PURCHASE

LIGHT REHAB

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 80% of Purchase Price
+ 100% of Rehab Costs
Up to 70% Loan-to-Cost

HEAVY REHAB*

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 70% of Purchase Price
+ 100% of Rehab Costs
Up to 65%
of the ARV

REFINANCE

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 75% of Purchase Price
+ 100% of Rehab Costs
Up to 65%
of the ARV
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 65% of Purchase Price
+ 100% of Rehab Costs
Up to 60%
of the ARV

CASH-OUT

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 70% of Purchase Price
+ 100% of Rehab Costs
Up to 60%
of the ARV
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Not Permitted
Not Permitted

*Rehab Budget is greater than 100% and less than 150% of the lower of “As Is” value (purchase and refinance) or purchase price (if a purchase), is a condo conversion, involves more than 20% expansion of the property of at least 750 square feet, or involves a change of use.

NEW CUSTOMER

(Completed < 3 Flips in the Last 3 Years)

PURCHASE

LIGHT REHAB

MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 70% of Purchase Price
+ 100% of Rehab Costs
Up to 65%
of the ARV

READY TO GET STARTED?

Loan Criteria

Collateral
Multi-Family Apartment Buildings (5-9 Units)
Term:
30-Years (Amortization Options Available)
Loan Amount:
$250k – $2M
FICO:

680 Minimum

LTV:

Stabilized Bridge
Purchase: Up to 70% of the As-Is Value
Refinance: Up to 70% of the As-Is Value
Cash-Out: Up to 65% of the As-Is Value

Long-Term Multi-Family
Loan Program Typical Leverages

PURCHASE

FICO
MAXIMUM LOAN-TO-VALUE (LTV)
MAXIMUM LOAN-TO-COST (LTC)
720+
Up to 70% of the As-Is Value
Up to 70% Loan-to-Cost
700 - 719
Up to 70% of the As-Is Value
Up to 70% Loan-to-Cost
680 - 699
Up to 65% of the As-Is Value
Up to 65% Loan-to-Cost

REFINANCE

FICO
MAXIMUM LOAN-TO-VALUE (LTV)
720+
Up to 70% of the As-Is Value
700 - 719
Up to 70% of the As-Is Value
680 - 699
Up to 65% of the As-Is Value

CASH-OUT

FICO
MAXIMUM LOAN-TO-VALUE (LTV)
720+
Up to 65% of the As-Is Value
700 - 719
Up to 65% of the As-Is Value
680 - 699
Up to 60% of the As-Is Value

READY TO GET STARTED?

New Construction Loans

RCN Capital is able to provide financing to cover all of your ground-up construction needs. This program offers an 18-month term and rates starting at 9.99% to make sure your project is well-funded from start to finish.

Loan Criteria

Collateral
Non-Owner Occupied Single-Family
Properties; Condos; Townhomes
Term:
12 – 24 Months
Loan Amount:
$100k* – $2M
*Based on Max Loan Amount
Minimum Property Value:
$150k**
**As-Completed Value
Rates:
Starting at 9.99%
Minimum FICO:
650

New Construction
Loan Program Typical Leverages

ASSUMING ENTITLEMENTS, PERMITS & APPROVED PLANS

TIER 1

Completed 10 or More Ground Up Construction Projects

PURCHASE

INITIAL LOAN AMOUNT

MAXIMUM LOAN-TO-VALUE
Maximum LOAN-TO-COST
Up to 75% of the As-Is Value
Up to 80% of the As-Is Value

MAX LOAN AMOUNT

MAXIMUM AFTER-REPAIR VALUE
TOTAL LOAN-TO-COST
Up to 75% ARV
Up to 90% LTC

REFINANCE

MAXIMUM LOAN-TO-VALUE
MAXIMUM LOAN-TO-COST
Up to 75% of the As-Is Value
N/A
MAXIMUM AFTER-REPAIR VALUE
TOTAL LOAN-TO-COST
Up to 75% ARV
Up to 90% LTC

TIER 2

Completed 3+ Investment Real Estate Transactions, At Least One Must Be Heavy Rehab

PURCHASE

INITIAL LOAN AMOUNT

MAXIMUM LOAN-TO-VALUE
Maximum LOAN-TO-COST
Up to 75% of the As-Is Value
Up to 75% of the As-Is Value

MAX LOAN AMOUNT

MAXIMUM AFTER-REPAIR VALUE
TOTAL LOAN-TO-COST
Up to 70% ARV
Up to 85% LTC

REFINANCE

MAXIMUM LOAN-TO-VALUE
MAXIMUM LOAN-TO-COST
Up to 72.5% of the As-Is Value
N/A
MAXIMUM AFTER-REPAIR VALUE
TOTAL LOAN-TO-COST
Up to 70% ARV
Up to 85% LTC

TIER 3

Completed 3+ Investment Real Estate Transactions, At Least One Must Be Heavy Rehab

PURCHASE

INITIAL LOAN AMOUNT

MAXIMUM LOAN-TO-VALUE
Maximum LOAN-TO-COST
Up to 70% of the As-Is Value
Up to 72.5% of the As-Is Value

MAX LOAN AMOUNT

MAXIMUM AFTER-REPAIR VALUE
TOTAL LOAN-TO-COST
Up to 65% ARV
Up to 85% LTC

REFINANCE

MAXIMUM LOAN-TO-VALUE
MAXIMUM LOAN-TO-COST
Up to 67.5% of the As-Is Value
N/A
MAXIMUM AFTER-REPAIR VALUE
TOTAL LOAN-TO-COST
Up to 65% ARV
Up to 85% LTC

TIER 4

New Customer

PURCHASE

INITIAL LOAN AMOUNT

MAXIMUM LOAN-TO-VALUE
Maximum LOAN-TO-COST
Up to 70% of the As-Is Value
Up to 70% of the As-Is Value

MAX LOAN AMOUNT

MAXIMUM AFTER-REPAIR VALUE
TOTAL LOAN-TO-COST
Up to 65% ARV
Up to 82.5% LTC

REFINANCE

MAXIMUM LOAN-TO-VALUE
MAXIMUM LOAN-TO-COST
Up to 65% of the As-Is Value
N/A
MAXIMUM AFTER-REPAIR VALUE
TOTAL LOAN-TO-COST
Up to 65% ARV
Up to 82.5% LTC

At least one borrower or guarantor must have the number of qualifying pieces of experience as dictated above or equivalent experience in the past three (3) years and at least one (1) year in the business of acquiring real estate for investment purposes or renovating real estate.

READY TO GET STARTED?

Rental Portfolio Loans

Flexible, long-term financing for experienced and institutional investors. 

RCN Capital’s Rental Portfolio Loan Program is designed to provide flexible, long-term financing for experienced and institutional real estate investors. Whether you're expanding your rental holdings or consolidating existing properties, our program offers competitive rates and customizable terms you need to grow your real estate empire with confidence.

 

Loan Criteria

Collateral
Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; Multi-Family Apartment Buildings (5 – 9 Units)
LTV:
Up to 75% LTV (Interest-Only Options)
Term:
5, 7, & 10 Year
Loan Amount:
$2.5M – $75M+
Amortization Options:
30-Year and Interest-Only Options Available
Minimum Property Value:

Individual Property Value:
1 – 4 Units: $100k
5 – 9 Units: $125k

Average Portfolio Value:
$100k

Number of Units:
20 to 100+ Units
Occupancy Rate:
90% + Leased
Recourse:
Non-Recourse
Pre-Payment:
Flexible Pre-Payment Options

Why RCN Capital?

RCN’s Structured Finance team delivers $2.5M–$75M+ loans tailored for investors looking to scale across markets with speed and certainty. These loans offer:
  • Fast, Reliable Closings
  • Competitive Terms, Non-Recourse Options
  • A dedicated Structured Finance Team with extensive commercial real estate experience
  • Scattered Site and Multi-State Portfolios Acceptable
  • Broker relationships protected — we work with you, never around you — with full transparency and a firm commitment to never circumvent our broker partners

Built for Institutional and Experienced Investors

Our dedicated Structured Finance Group brings deep commercial real estate expertise to every deal, ensuring fast, reliable closings and tailored solutions for your investment strategy. Whether you’re acquiring, refinancing, or stabilizing a rental portfolio, our flexible financing options are designed to help you scale efficiently.

Let us help you unlock new opportunities and maximize your rental income potential!

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Investor Rental Portfolio
Loan Program Typical Leverages

PURCHASE

FICO
MAXIMUM LOAN-TO-VALUE (LTV)**
MAXIMUM LOAN-TO-COST (LTC)**
720+
Up to 70% of the As-Is Value
Up to 70% Loan-to-Cost
700 - 719
Up to 65% of the As-Is Value
Up to 65% Loan-to-Cost
680 - 699
Up to 60% of the As-Is Value
Up to 60% Loan-to-Cost
**Loan Amount is the Lessor of (LTV/LTC)

REFINANCE

FICO
MAXIMUM LOAN-TO-VALUE (LTV)
720+
Up to 65% of the As-Is Value
700 - 719
Up to 60% of the As-Is Value
680 - 699
Up to 55% of the As-Is Value

CASH-OUT

FICO
MAXIMUM LOAN-TO-VALUE (LTV)
720+
Up to 65% of the As-Is Value
700 - 719
Up to 60% of the As-Is Value
680 - 699
Up to 55% of the As-Is Value

READY TO GET STARTED?

Connect with RCN Capital

Quick Links

Email List

Be the First to Know About Program Updates & Special Offers!

Contact Us

860.432.5858 INFO@RCNCAPITAL.COM

RCNCapital.com is a website operated by RCN Capital, LLC. By accessing this site and any pages thereof, you agree to be bound by our terms of use and privacy policy.  The use of this website does not constitute an application for a mortgage loan or an offer by RCN Capital, LLC to lend.

RCN Capital, LLC  is licensed in AZ (License #: 0932325), CA (Loans made or arranged by RCN Capital, LLC pursuant to a California Finance Lenders Law license # 60DBO-46258), MN (MN-MO-1045656),  and OR (ML-5571). Please visit www.nmlsconsumeraccess.org for more licensing information.

This is not an offer to lend. All offers of credit are subject to due diligence, underwriting and approval. Not all borrowers will qualify and not all borrowers that qualify will receive the lowest rate or best terms. Actual rates and terms depend on a variety of factors and are subject to change without notice.

RCN Capital's loan programs and services may not be available in all states and are subject to availability.

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