RCN Capital vs Groundfloor
Both accept credit scores that most lenders won't touch. RCN offers more products (DSCR + flip + bridge) with a 620 minimum; Groundfloor accepts 600 but is flip-only with higher origination fees.
Shared products: Fix & Flip · Updated March 2026
4.1
RCN Capital
Wins 6 categories
3.8
Groundfloor
Wins 1 categories
Full Comparison
| Feature | RCN Capital | Groundfloor |
|---|---|---|
| Interest Rates | 6.5%–12%Better | 7.5%–14% |
| Max LTV | 80%Better | 75% |
| Min Credit Score | 620 | 600Better |
| Loan Range | $75K–$2.5M | $75K–$1M |
| Origination Fee | 1.5–3 points | 2–4 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 or 5-4-3-2-1 (DSCR) | None |
| Foreign National | YesBetter | No |
| Coverage | Nationwide | Regional |
| Property Types | SFR (1-4), Condo, Townhouse, Multifamily (5+)Better | SFR (1-4), Condo, Townhouse |
| Loan Products | 3 productsBetter | 2 products |
| Founded | 2010 | 2013 |
| Editor Rating | 4.1 / 5.0Better | 3.8 / 5.0 |
Pros & Cons
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
Groundfloor
Pros
- +No prepayment penalties — sell early without penalty
- +Works with first-time flippers
- +Low minimum credit score (600)
- +Transparent pricing and terms
- +Lower minimum loan amount
Cons
- –Not available in all states
- –Higher origination fees (2–4 points)
- –Max loan amount lower than competitors ($1M)
- –Crowdfunding model can mean variable availability
Frequently Asked Questions
Is RCN Capital or Groundfloor better for real estate investors?
Both accept credit scores that most lenders won't touch. RCN offers more products (DSCR + flip + bridge) with a 620 minimum; Groundfloor accepts 600 but is flip-only with higher origination fees.
What loan types do RCN Capital and Groundfloor both offer?
Both lenders offer Fix & Flip. RCN Capital offers 3 total products vs Groundfloor's 2.
Which has lower rates, RCN Capital or Groundfloor?
RCN Capital advertises rates starting at 6.5% while Groundfloor starts at 7.5%. 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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