RCN Capital: published loan terms
RCN Capital publishes terms for fix and flip, bridge, ground-up construction, DSCR rental and rental portfolio loans. Its fix-and-flip rates start at 9.24% and its DSCR rental rates at 6%, as advertised on its website on October 24, 2026.
Fix-and-flip terms
| Starting rate | As Low As 9.49% (Interest Only Charged on Outstanding Balance); tier table: Experienced starting at 9.24%, Intermediate starting at 10.24%, entry tier starting at 10.74% |
|---|---|
| Loan to purchase / cost | ARV Loan Program: 'Up to 100% of the Purchase Price + 100% of the Renovation Cost; Not to Exceed 75% of the ARV' (100% purchase only 'with 5+ in-state experience, a total of 10+ experience and a qualifying score of 720+ FICO on loans of $800k ($1M in CA) or less'). Tiers: Experienced (5+ flips last 3 yrs, 720+ FICO) up to 95% purchase/75% ARV; Intermediate up to 90%/72.5%; less experienced up to 80%/70%; 0 flips up to 70% purchase/60% ARV (moderate rehab table) |
| Rehab funded | Up to 100% of renovation costs |
| Cap on after-repair value | Not to exceed 75% of the ARV |
| Points | Not published |
| Term | 12 – 18 Months |
| Minimum credit score | 650 |
| Experience | Experience Not Required but Does Affect pricing and loan size |
On the calculator's example flip, with the loan sized the way the calculator sizes it ($244,000 over 6 months), interest alone at RCN Capital's advertised starting rate of 9.24% would be about $10,002, against $11,366 at the example's 10.5%. RCN Capital doesn't publish its points, so they aren't compared here. Your rate depends on experience, credit, loan size and the property; the starting rate is a floor, not a quote.
DSCR rental terms
| Starting rate | Starting at 6.00% |
|---|---|
| Purchase / rate-and-term LTV | Lesser of up to 80% of the As-Is Value or Up to 80% Loan-to-Cost (740+/700-739 FICO); 75% at 680-699; 65% at 660-679 |
| Cash-out LTV | Up to 75% of the As-Is Value (700+ FICO); 70% at 680-699; 60% at 660-679 |
| Minimum DSCR | 1.00 |
| Minimum credit score | 660 |
| Loan size | $70k to $1.5M |
| Terms | 30-Year Fixed, Hybrid ARMS (5/1, 7/1, 10/1) & Interest-Only Options Available |
Where RCN Capital lends
RCN Capital is able to lend to most states in the U.S. with the exception of Alaska, Nevada, Utah, North Dakota, South Dakota, and Vermont.
Loan size
$75k (ARV fix & flip, 1-4 family) to $2M (1-4 family); $3M multifamily 5+/mixed-use, as published.
Other details from its website
Collateral: non-owner-occupied 1-4 family, condos, townhomes, 5+ units, mixed-use. Minimum ARV $100k single-family/$75k 2-4 family. DSCR: 'As Is' appraised value must be $115k or greater; geographical restrictions may apply. 'Final loan terms may vary based on loan types, verification of application information, and other risk-based factors.'
Licensing disclosure
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). NMLS #1045656.
Source
Read on 2026-10-24 from rcncapital.com and its states page. The pages show no as-of date. Terms change often. Fix and Flip Loans is not affiliated with RCN Capital, and RCN Capital did not review this page.
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