RCN Capital Review

Founded 2010 · South Windsor, CT · Nationwide

4.1

Editor Rating

RCN Capital is a national lender specializing in fix-and-flip, bridge, and long-term rental (DSCR) loans for real estate investors. Known for competitive rates on DSCR products and a straightforward closing process.

Editor's Take

RCN Capital stands out for accessibility — their 620 minimum credit score for DSCR loans is among the lowest in the industry, making them a strong option for investors with less-than-perfect credit. They also offer foreign national programs. If you're turned down by lenders with 680+ credit requirements, RCN should be your next call.

— Bill Rice, 30+ year mortgage lending veteran

Pros & Cons

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

Loan Products Offered

DSCR LoansFix-and-Flip LoansBridge Loans

Eligible Property Types

Single Family (1-4 units)CondoTownhouseMultifamily (5+ units)

Best For

DSCR investorsLow credit score borrowersFirst-time investorsForeign nationals

Compare RCN Capital

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Disclaimer: Rates, terms, and requirements shown are approximate and based on publicly available information as of March 2026. Actual terms may vary based on your credit profile, property details, and market conditions. Always verify current terms directly with the lender before making financing decisions. ProInvestorHub provides editorial reviews for educational purposes and does not guarantee loan approval or specific terms.