RCN Capital
A direct private lender offering long-term DSCR financing, with a current 1.00x DSCR starting point and 660 minimum FICO.
Program snapshot
Primary source: RCN Capital loan programs
Verified highlights
- The headline 80% LTV is not available at the 660 minimum FICO.
- 5+ unit long-term rental uses a different program with different credit and leverage limits.
How this loan is actually underwritten
RCN currently publishes a 1.00x minimum for its 30-year long-term rental program and notes rental-income treatment varies by scenario.
RCN says borrowers are responsible for third-party appraisal fees and uses appraised value for LTV; public materials reviewed do not establish AMC vs. direct ordering or portability.
RCN says it does not charge upfront pre-approval/application fees. A complete lender-controlled closing fee schedule is not publicly disclosed.
RCN says insufficient reserves can prevent approval and advises roughly six months as a preparation benchmark; current public materials do not state one universal requirement for every borrower.
RCN’s 30-year Long-Term Rental loan offers adjustable prepayment options up to five years.
RCN publishes leverage tiers by FICO and notes pricing/structure vary by property type and loan purpose.
Last verified: Aug. 23, 2026 · Source: RCN Capital Loan Programs
Best fit
- Long-term rentals
- Single-family rentals
- Investors wanting a direct lender
What to verify
- 2–4 unit and multifamily leverage can be lower than the headline 80%.
- Loan terms vary by property type and loan purpose.