Lima One Capital vs RCN Capital
Lima One offers construction financing and multifamily that RCN doesn't. RCN has lower credit minimums. Both work with first-time investors.
Shared products: DSCR, Fix & Flip, Bridge · Updated March 2026
4.3
Lima One Capital
Wins 3 categories
4.1
RCN Capital
Wins 2 categories
Full Comparison
| Feature | Lima One Capital | RCN Capital |
|---|---|---|
| Interest Rates | 7%–12.5% | 6.5%–12%Better |
| Max LTV | 80% | 80% |
| Min Credit Score | 660 | 620Better |
| Loan Range | $75K–$5M | $75K–$2.5M |
| Origination Fee | 1.5–3 points | 1.5–3 points |
| Speed to Close | 14–21 days | 14–21 days |
| Experience Required | No experience required | No experience required |
| LLC Borrowing | Yes | Yes |
| Interest-Only | Available | Available |
| Prepayment Penalty | 3-2-1 step-down (DSCR) | 3-2-1 or 5-4-3-2-1 (DSCR) |
| Foreign National | Yes | Yes |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Multifamily (5+), Mixed Use, Condo, Townhouse, New ConstructionBetter | SFR (1-4), Condo, Townhouse, Multifamily (5+) |
| Loan Products | 5 productsBetter | 3 products |
| Founded | 2010 | 2010 |
| Editor Rating | 4.3 / 5.0Better | 4.1 / 5.0 |
Pros & Cons
Lima One Capital
Pros
- +Broadest product range — flips, DSCR, construction, and multifamily
- +Works with first-time investors
- +Ground-up construction financing available
- +Foreign national programs
- +Multifamily up to 5+ units
Cons
- –Slightly higher rates than Kiavi for experienced borrowers
- –Origination fees on the higher end (1.5–3 points)
- –Draw process for construction can be slow
RCN Capital
Pros
- +Low minimum credit score (620 for DSCR)
- +Competitive DSCR rates
- +Foreign national programs available
- +Works with first-time investors
- +Small multifamily eligible
Cons
- –Higher origination fees than some competitors
- –Longer prepayment penalties on some DSCR products
- –Less technology-driven than Kiavi
Frequently Asked Questions
Is Lima One Capital or RCN Capital better for real estate investors?
Lima One offers construction financing and multifamily that RCN doesn't. RCN has lower credit minimums. Both work with first-time investors.
What loan types do Lima One Capital and RCN Capital both offer?
Both lenders offer DSCR, Fix & Flip, Bridge. Lima One Capital offers 5 total products vs RCN Capital's 3.
Which has lower rates, Lima One Capital or RCN Capital?
Lima One Capital advertises rates starting at 7% while RCN Capital starts at 6.5%. RCN Capital has the lower starting rate, but actual rates depend on your credit score, LTV, property type, and loan product. Always get quotes from both lenders.
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