Published terms, read October 24, 2026
Lima One Capital vs RCN Capital: published loan terms side by side
Both cap flips at 75% of ARV. Lima One reaches 95% of cost once you have one exit in 36 months; RCN reaches 95% of price on a light rehab with 5+ flips in 3 years, and 100% with 10+ (plus other conditions). Below is everything else each one publishes on its own website, term by term.
The two lenders
Lima One Capital
Investor lender with offices in Greenville, South Carolina and Irvine, California, offering rental, fix-and-flip, construction and multifamily loans.
RCN Capital
Investor lender offering fix-and-flip, bridge, rental, construction, portfolio and 5+ unit loans, with published tiers by experience and credit score.
The differences that change a deal
- RCN lends on a first flip (at 70% of price and 60% of ARV); Lima One requires a prior exit.
- Both publish a 1.00x DSCR floor and a 660 minimum score on rentals. RCN lowers LTV below a 700 score; Lima One publishes 80% on purchases with no credit tiers, and gives its highest LTV to properties at 1.20x or better.
- Lima One accepts foreign nationals; RCN does not publish a foreign national policy.
DSCR rental loans
| Term | Lima One Capital | RCN Capital |
|---|---|---|
| Loan amount | $85,000 to $2,500,000 | $70,000 to $1,500,000 |
| Max LTV (purchase) | Up to 80% LTV (75% cash-out) | Up to 80% LTV (75% cash-out) |
| Min FICO | 660 | 660 |
| Min DSCR | 1.00x | 1.00x |
| Experience | Not required | Not published |
| Property types | Single family, 2-9 units, warrantable condos | 1-4 units, condos, townhomes, PUDs |
Fix and flip loans
| Term | Lima One Capital | RCN Capital |
|---|---|---|
| Loan amount | $100,000 to $5,000,000 | $75,000 to $2,000,000 |
| Purchase | Up to 95% LTC | Up to 95% of price (100% for the top tier) |
| Rehab | Up to 100% | Up to 100% |
| Max ARV | Up to 75% of ARV | Up to 75% of ARV |
| Min FICO | 660 | 650 |
| Experience | One exit in the last 36 months | Not required; tiers by flips in the last 3 years |
| Term | 13, 19 or 24 months | 12 to 18 months |
Ground-up construction loans
| Term | Lima One Capital | RCN Capital |
|---|---|---|
| Loan amount | $100,000 to $5,000,000 | $100,000 to $2,000,000 |
| Max LTC | Up to 90% LTC | Up to 90% LTC (experienced tier) |
| Max ARV | Up to 75% of ARV | Up to 75% of ARV |
| Min FICO | Not published | 650 |
| Experience | Required: ground-up (on title or as GC) or fix-and-flip | Not required; tiers by projects built |
| Term | 19 or 24 months | 12 to 24 months |
RCN Capital also publishes rental portfolio (blanket) loans; Lima One Capital does not.
States and borrower rules
| Lender | Where it lends | Borrowing entity | Foreign nationals |
|---|---|---|---|
| Lima One Capital | 46 states and Washington, DC. The excluded states are not listed on the pages read. [src] | LLC or similar entity required for business-purpose rental loans. [src] | Eligible for rental, fix-and-flip and construction loans, including borrowers without a US credit score. [src][src][src] |
| RCN Capital | Most states. Not available in Alaska, Nevada, Utah, North Dakota, South Dakota or Vermont. [src] | Loans are made to a business entity. [src] | Not published |
For reference: our programs next to both
Doors Funded programs are arranged by Janover Capital LLC, which is paid when they close. They are shown separately so the comparison above stays between the two lenders.
| Lender | Loan amount | Max LTV (purchase) | Min FICO | Min DSCR | Experience | Source |
|---|---|---|---|---|---|---|
| Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close | $75,000 to $2,000,000 | Up to 80% LTV (75% cash-out) | 660 | 1.05x | Not required | terms |
| Lima One Capital | $85,000 to $2,500,000 | Up to 80% LTV (75% cash-out) | 660 | 1.00x | Not required | [1][2] |
| RCN Capital | $70,000 to $1,500,000 | Up to 80% LTV (75% cash-out) | 660 | 1.00x | Not published | [1][2] |
| Lender | Loan amount | Purchase | Rehab | Max ARV | Min FICO | Experience | Term | Source |
|---|---|---|---|---|---|---|---|---|
| Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close | $50,000 to $3,000,000 | Up to 90% of price | Up to 100% | Up to 75% of ARV | Quoted per loan | None required | 12 months; 18 months case by case | terms |
| Lima One Capital | $100,000 to $5,000,000 | Up to 95% LTC | Up to 100% | Up to 75% of ARV | 660 | One exit in the last 36 months | 13, 19 or 24 months | [1][2] |
| RCN Capital | $75,000 to $2,000,000 | Up to 95% of price (100% for the top tier) | Up to 100% | Up to 75% of ARV | 650 | Not required; tiers by flips in the last 3 years | 12 to 18 months | [1][2] |
Sources
- Lima One: rental loans. Read October 24, 2026.
- Lima One: rental loan detail. Read October 24, 2026.
- Lima One: fix and flip loans. Read October 24, 2026.
- Lima One: fix and flip detail. Read October 24, 2026.
- Lima One: new construction loans. Read October 24, 2026.
- Lima One: new construction detail. Read October 24, 2026.
- Lima One: rental portfolio loans. Read October 24, 2026.
- RCN Capital: loan programs. Read October 24, 2026.
- RCN Capital: FAQs. Read October 24, 2026.
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.