Roc Capital vs RCN Capital
Two volume-focused private lenders with the same 620 credit floor. RCN Capital advertises a lower starting rate (6.5% vs 7%) and adds foreign national programs, but tops out at a $2.5M loan. Roc Capital offers hard money alongside DSCR and a higher $5M max. Close call: RCN for foreign-national or lower-rate DSCR, Roc for larger or hard-money deals.
Shared products: Fix & Flip, Bridge, DSCR · Updated March 2026
3.9
Roc Capital
Wins 1 categories
4.1
RCN Capital
Wins 3 categories
Full Comparison
| Feature | Roc Capital | RCN Capital |
|---|---|---|
| Interest Rates | 7%–12% | 6.5%–12%Better |
| Max LTV | 80% | 80% |
| Min Credit Score | 620 | 620 |
| Loan Range | $75K–$5M | $75K–$2.5M |
| Origination Fee | 1–3 points | 1.5–3 points |
| Speed to Close | 10–21 days | 14–21 days |
| Experience Required | No experience required | No experience required |
| LLC Borrowing | Yes | Yes |
| Interest-Only | Available | Available |
| Prepayment Penalty | 3-year step-down (DSCR) | 3-2-1 or 5-4-3-2-1 (DSCR) |
| Foreign National | No | YesBetter |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Multifamily (5+), Condo, Townhouse | SFR (1-4), Condo, Townhouse, Multifamily (5+) |
| Loan Products | 4 productsBetter | 3 products |
| Founded | 2014 | 2010 |
| Editor Rating | 3.9 / 5.0 | 4.1 / 5.0Better |
Pros & Cons
Roc Capital
Pros
- +Broad product range — hard money through DSCR
- +Low credit minimum (620)
- +Competitive pricing for volume borrowers
- +High max loan amount ($5M)
- +Nationwide coverage
Cons
- –Origination fees vary widely (1–3 points)
- –Less brand recognition than Kiavi or Lima One
- –Technology platform less polished than top-tier competitors
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 Roc Capital or RCN Capital better for real estate investors?
Two volume-focused private lenders with the same 620 credit floor. RCN Capital advertises a lower starting rate (6.5% vs 7%) and adds foreign national programs, but tops out at a $2.5M loan. Roc Capital offers hard money alongside DSCR and a higher $5M max. Close call: RCN for foreign-national or lower-rate DSCR, Roc for larger or hard-money deals.
What loan types do Roc Capital and RCN Capital both offer?
Both lenders offer Fix & Flip, Bridge, DSCR. Roc Capital offers 4 total products vs RCN Capital's 3.
Which has lower rates, Roc Capital or RCN Capital?
Roc 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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