Published terms, read October 24, 2026
RCN Capital vs Angel Oak Mortgage Solutions: published loan terms side by side
DSCR floor: RCN Capital 1.00x, Angel Oak no minimum. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), RCN Capital needs at least $2,000 of rent; Angel Oak sets no floor. Below is everything else each one publishes on its own website, term by term.
The two lenders
RCN Capital
Investor lender offering fix-and-flip, bridge, rental, construction, portfolio and 5+ unit loans, with published tiers by experience and credit score.
Angel Oak Mortgage Solutions
Non-QM mortgage lender. Its DSCR program page is written for mortgage originators and says business-purpose loans are offered through approved clients, so most investors reach it through a broker or loan officer.
The differences that change a deal
- Credit on rentals: RCN Capital publishes a 660 minimum, Angel Oak 680. At RCN Capital, 80% LTV on a purchase needs a 700+ score; 660-679 gets up to 65%. At Angel Oak, 85% LTV needs a 720+ score; 75% at 680.
- Leverage on a rental purchase: up to 80% at RCN Capital, 85% at Angel Oak, which is 5 points of down payment on the same house.
- RCN Capital publishes terms for fix and flip loans; Angel Oak publishes no terms of its own for them.
- RCN Capital publishes terms for ground-up construction loans; Angel Oak publishes no terms of its own for them.
- RCN Capital publishes terms for rental portfolio (blanket) loans; Angel Oak publishes no terms of its own for them.
- How you reach them: Angel Oak offers its investor loans through brokers and loan officers; RCN Capital takes applications from investors directly.
- Smallest DSCR loan: $70,000 at RCN Capital, $100,000 at Angel Oak.
- Largest DSCR loan: $1.5 million at RCN Capital, $3 million at Angel Oak.
- Borrowing entity: RCN Capital: loans are made to a business entity. Angel Oak: optional: title can vest in an LLC, S corp, C corp or revocable trust.
DSCR rental loans
| Term | RCN Capital | Angel Oak Mortgage Solutions |
|---|---|---|
| Loan amount | $70,000 to $1,500,000 | $100,000 to $3,000,000 |
| Max LTV (purchase) | Up to 80% LTV (75% cash-out) | Up to 85% LTV with 720+ (75% at 680) |
| Min FICO | 660 | 680 |
| Min DSCR | 1.00x | Below 1.00x and no-ratio options |
| Experience | Not published | First-time homebuyers not eligible |
| Property types | 1-4 units, condos, townhomes, PUDs | Includes non-warrantable condos and condotels |
RCN Capital also publishes fix and flip loans; Angel Oak Mortgage Solutions does not. RCN Capital also publishes ground-up construction loans; Angel Oak Mortgage Solutions does not. RCN Capital also publishes rental portfolio (blanket) loans; Angel Oak Mortgage Solutions does not.
States and borrower rules
| Lender | Where it lends | Borrowing entity | Foreign nationals |
|---|---|---|---|
| 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 |
| Angel Oak Mortgage Solutions | Not published as a list. | Optional: title can vest in an LLC, S corp, C corp or revocable trust. [src] | A separate foreign national DSCR program: $100,000 to $1,500,000, 1.00x DSCR, borrower must live outside the US, US LLC allowed. [src] |
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 |
| RCN Capital | $70,000 to $1,500,000 | Up to 80% LTV (75% cash-out) | 660 | 1.00x | Not published | [1][2] |
| Angel Oak Mortgage Solutions | $100,000 to $3,000,000 | Up to 85% LTV with 720+ (75% at 680) | 680 | Below 1.00x and no-ratio options | First-time homebuyers not eligible | [1] |
If neither fits
Sources
- RCN Capital: loan programs. Read October 24, 2026.
- RCN Capital: FAQs. Read October 24, 2026.
- Angel Oak Mortgage Solutions: DSCR (investor cash flow) program. Read October 24, 2026.
- Angel Oak Mortgage Solutions: foreign national program. 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.