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Loan Programs
RCN Capital offers diverse loan programs with competitive terms to suit a variety of real estate investing strategies.
Click on a program below to learn more information about the financing options available:
Dependable Financing to Accelerate Your Growth
THE LEADING NATIONWIDE WHOLESALE LENDER
FOR REAL ESTATE INVESTMENTS
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.
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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 Cost; 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
$100k for 2-4 Family
$375k for Multi-Family (5+)/Mixed-Use
Loan Amount:
$75k – $2M for 1-4 Family, Condos, & Townhomes
$250k – $3M for Multi-Family (5+)/Mixed-Use
$250k – $3M for Multi-Family (5+)/Mixed-Use
Minimum FICO:
650
Rates:
As Low As 9.24% (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 ARVRATES
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 ARVRATES
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 ARVRATES
Starting at 9.20%EXPERIENCE LEVEL:
Completed 5+ Fix and Flips in the Last 3 Years
PURCHASE
LIGHT REHAB
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 95% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 75%
of the ARV
of the ARV
PURCHASE
MODERATE REHAB
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 92.5% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 75%
of the ARV
of the ARV
PURCHASE
HEAVY REHAB
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 85% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 70%
of the ARV
of the ARV
EXPERIENCE LEVEL:
Completed 1-4 Fix and Flips in the Last 3 Years
PURCHASE
LIGHT REHAB
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 90% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 75%
of the ARV
of the ARV
PURCHASE
MODERATE REHAB
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 90% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 72.5%
of the ARV
of the ARV
PURCHASE
HEAVY REHAB
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 80% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 65%
of the ARV
of the ARV
EXPERIENCE LEVEL:
Completed 0 Fix and Flips in the Last 3 Years
PURCHASE
LIGHT REHAB
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 85% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 70%
of the ARV
of the ARV
PURCHASE
MODERATE REHAB
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 85% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 70%
of the ARV
of the ARV
PURCHASE
HEAVY REHAB
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 70% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 60%
of the ARV
of the ARV
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 5.50% 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
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:
$150k – $1.5M
Debt Service Coverage Ratio (DSCR):
1.00
Minimum FICO:
680
Rates:
Starting at 5.50%
Long-Term Rental
Loan Program Typical Leverages
PURCHASE
FICO
MAXIMUM LOAN-TO-VALUE (LTV)
MAXIMUM LOAN-TO-COST (LTC)
740+
Up to 80% of the As-Is Value
Up to 80% Loan-to-Cost
720 - 739
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
REFINANCE
FICO
MAXIMUM LOAN-TO-VALUE (LTV)
740+
Up to 80% of the As-Is Value
720 - 739
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
CASH-OUT
FICO
MAXIMUM LOAN-TO-VALUE (LTV)
740+
Up to 75% of the As-Is Value
720 - 739
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
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:
$250k – $2M
FICO:
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
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
+ 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
+ 100% of Rehab Costs
Up to 65%
of the ARV
of the ARV
REFINANCE
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 75% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 65%
of the ARV
of the ARV
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 65% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 60%
of the ARV
of the ARV
CASH-OUT
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 70% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 60%
of the ARV
of the ARV
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Not Permitted
Not Permitted
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
+ 100% of Rehab Costs
Up to 65%
of the ARV
of the ARV
EXPERIENCE LEVEL:
Completed 5+ Fix and 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
+ 100% of Rehab Costs
Up to 70%
of the ARV
of the ARV
PURCHASE
MODERATE REHAB
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 75% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 70%
of the ARV
of the ARV
PURCHASE
HEAVY REHAB
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 70% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 65%
of the ARV
of the ARV
EXPERIENCE LEVEL:
Completed 1-4 Fix and 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
+ 100% of Rehab Costs
Up to 70%
of the ARV
of the ARV
PURCHASE
MODERATE REHAB
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 75% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 70%
of the ARV
of the ARV
PURCHASE
HEAVY REHAB
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 70% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 65%
of the ARV
of the ARV
EXPERIENCE LEVEL:
Completed 0 Fix and 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
+ 100% of Rehab Costs
Up to 65%
of the ARV
of the ARV
PURCHASE
MODERATE REHAB
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Up to 70% of Purchase Price
+ 100% of Rehab Costs
+ 100% of Rehab Costs
Up to 65%
of the ARV
of the ARV
PURCHASE
HEAVY REHAB
MAXIMUM LOAN-TO-VALUE
MAXIMUM AFTER-REPAIR VALUE
Not Permitted
Not Permitted
READY TO GET STARTED?
Loan Criteria
Collateral
Multi-Family Apartment Buildings (5-9 Units)
Term:
30-Years (Amortization Options Available)
Loan Amount:
$150k – $1.5M
FICO:
700 Minimum
LTV:
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)
740+
Up to 70% of the As-Is Value
Up to 70% Loan-to-Cost
720 - 739
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
REFINANCE
FICO
MAXIMUM LOAN-TO-VALUE (LTV)
740+
Up to 70% of the As-Is Value
720 - 739
Up to 70% of the As-Is Value
700 - 719
Up to 70% of the As-Is Value
CASH-OUT
FICO
MAXIMUM LOAN-TO-VALUE (LTV)
740+
Up to 65% of the As-Is Value
720 - 739
Up to 65% of the As-Is Value
700 - 719
Up to 65% 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 9.84% to make sure your project is well-funded from start to finish.
Loan Criteria
Collateral
Non-Owner Occupied Single-Family
Properties; Condos; Townhomes
Properties; Condos; Townhomes
Term:
12 – 24 Months
Loan Amount:
$100k* – $2M
*Based on Max Loan Amount
*Based on Max Loan Amount
Minimum Property Value:
$175k**
**As-Completed Value
**As-Completed Value
Rates:
Starting at 9.84%
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
EXPERIENCE:
Completed 5+ Ground Up Construction Projects in the Last 3 Years
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 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
EXPERIENCE:
Completed 1-4 Ground Up Construction Projects in the Last 3 Years
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 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
EXPERIENCE:
Completed 0 Ground Up Construction Projects in the Last 3 Years
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 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
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.
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
Nationwide Lender in 45 States
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OFFICE LOCATION
OFFICE LOCATION
Why RCN Capital?
15+ Years in the
Private Lending Space
Award Winning Wholesale Lending Programs
Dedicated Team of Seasoned Industry Experts
