RCN Capital
RCN Capital stands out for one number: a $70,000 minimum loan amount, the lowest among major DSCR lenders. That makes them one of the few options for investors buying in cheap Midwest markets where properties trade under $100K. They also do fix-and-flip loans, so BRRRR investors can potentially keep both sides under one roof. STR and foreign national deals are both available but with higher DSCR requirements (1.20 for STR, 1.30 for foreign nationals). Delayed financing is an option for cash buyers.
- $70K minimum loan (lowest among major lenders)
- Strong fit for Midwest and low-cost markets
- Fix-and-flip + DSCR under one roof
- STR at 1.20+ DSCR, foreign national at 1.30+ DSCR
- Delayed financing available for cash buyers
Loan requirements
| Minimum DSCR | 0.75 (at median of 0.75) |
| Minimum FICO | 660 (at median of 660) |
| Max LTV (purchase) | Not disclosed |
| Max LTV (cash-out) | Not disclosed |
| Min loan amount | $70,000 |
| Max loan amount | $1,500,000 |
| Prepayment penalty | varies |
| BRRRR seasoning | Not disclosed |
Programs and coverage
| Short-term rentals (STR) | Yes |
| Foreign nationals | Yes |
| State coverage | broad coverage |
| Channel | Wholesale (via brokers) and correspondents |
Best for
- Investors with thin-margin properties (sub-1.0 DSCR)
- Short-term rental (Airbnb/VRBO) investors
- Foreign national investors
- Investors in low-cost Midwest and Southern markets
How RCN Capital compares
Across the 16 DSCR lenders in our database:
- DSCR floor of 0.75 matches the market median.
- FICO minimum of 660 matches the market median.
- STR program available. 12 of 16 lenders in our dataset accept short-term rentals.
- Foreign national program available. 7 of 16 lenders in our dataset serve foreign nationals.
For a full side-by-side comparison, see the lender comparison matrix. Or use the DSCR loan qualifier to find which lenders match your specific deal.
Run your numbers
Before reaching out to RCN Capital, model your deal:
- DSCR Calculator to verify your property's debt service coverage ratio
- DSCR Loan Calculator to estimate monthly payments and qualification
- Airbnb/STR DSCR Calculator to model short-term rental income scenarios
- Cash-Out Refi Calculator to see how much equity you can pull out
Frequently asked questions
Is RCN Capital a good DSCR lender?
RCN Capital is a legitimate DSCR lender with terms last verified on 2026-06-11. Whether they are a good fit depends on your specific deal. Their 0.75 DSCR floor is in line with the market median of 0.75. Compare their terms against 2-3 other lenders before committing.
What is the minimum credit score for RCN Capital?
RCN Capital requires a minimum FICO score of 660. This is at the lower end of the mainstream range. Higher scores (740+) will qualify for better rates and higher LTV.
Does RCN Capital do short-term rental loans?
Yes, RCN Capital offers DSCR loans for short-term rentals (Airbnb, VRBO). STR programs typically come with slightly lower max LTV and potentially higher DSCR requirements compared to long-term rental programs.
Does RCN Capital work with foreign national investors?
Yes, RCN Capital has a foreign national program. Terms may differ from their standard program, including reduced LTV and higher reserves.
What states does RCN Capital lend in?
RCN Capital's coverage: broad coverage. DSCR lender state coverage changes over time based on licensing and regulatory requirements. Always confirm your state is covered before starting an application.
What is the prepayment penalty at RCN Capital?
RCN Capital's prepayment penalty structure is: varies. Compare this against other lenders if you might exit within the penalty period.