After-Repair Value Loans
Short-term financing for the purchase & rehab of non-owner occupied properties.


Looking for Funding For Your Next Fix & Flip Project?
RCN Capital’s ARV Loan Program offers financing for up to 85% of the purchase price + 100% of renovation costs, not to exceed 70% 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 85% of the Purchase Price + 100% of the Renovation Cost; Not to Exceed 70% of the ARV
Term:
12 – 18 Months
Minimum As-Is Property Value:
$50k for Single-Family
$25k per Unit for 2-4 Family
$35k per Unit for Multi-Family (5+)/Mixed-Use
Loan Amount:
$50k – $7.5M for 1-4 Family, Condos, & Townhomes
$250k – $10M for Multi-Family (5+)/Mixed-Use
Minimum FICO:
620
Rates
As Low As 10.24% (Interest Only Charged on Outstanding Balance)
Pre-Payment Penalty:
N/A
ARV Loan Program Typical Leverage & Rates


New Investor
Completed up to 2 Flips or Owned up to 2 Rentals in the Last 3 Years


Intermediate Investor
Completed Between 3 & 10 Flips or Owned Between 3 & 10 Rentals in the Last 3 Years


Experienced Investor
Owned 10 or More Investment Properties (Flips and/or Rentals) in the Last 3 Years
LTV
New Investor
Up to 80% of Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 65% of the After Repair Value
Intermediate Investor
Up to 85% of the Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 70% of the After Repair Value
Experienced Investor
Up to 85% of the Purchase Price + Up to 100% of the Renovation Costs: Not to Exceed 70% of the ARV
RATES
New Investor
Starting at 11.24%
Intermediate Investor
Starting at 10.49%
Experienced Investor
Starting at 10.24%
Final loan terms may vary based on loan types, verification of application information, and other risk-based factors.
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