Published terms, read October 29, 2026

RCN Capital vs Griffin Funding: published loan terms side by side

DSCR floor: RCN Capital 1.00x, Griffin Funding no minimum. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), RCN Capital needs at least $2,000 of rent; Griffin Funding sets no floor. Below is everything else each one publishes on its own website, term by term.

Compare with your deal All lenders compared

RCN Capital

Investor lender offering fix-and-flip, bridge, rental, construction, portfolio and 5+ unit loans, with published tiers by experience and credit score.

Griffin Funding

Direct-to-consumer mortgage lender founded in 2013 and based in San Diego, California (NMLS 1120111). It offers DSCR loans alongside VA, bank-statement and other non-QM products.

The differences that change a deal

Credit on rentals: RCN Capital publishes a 660 minimum, Griffin Funding 620. At RCN Capital, 80% LTV on a purchase needs a 700+ score; 660-679 gets up to 65%.
Leverage on a rental purchase: up to 80% at RCN Capital, 85% at Griffin Funding, which is 5 points of down payment on the same house.
RCN Capital publishes terms for fix and flip loans; Griffin Funding publishes no terms of its own for them.
RCN Capital publishes terms for ground-up construction loans; Griffin Funding publishes no terms of its own for them.
RCN Capital publishes terms for rental portfolio (blanket) loans; Griffin Funding publishes no terms of its own for them.
Smallest DSCR loan: $70,000 at RCN Capital, $100,000 at Griffin Funding.
Largest DSCR loan: $1.5 million at RCN Capital, $4.5 million at Griffin Funding.
Borrowing entity: RCN Capital: loans are made to a business entity. Griffin Funding: not required. You can borrow as an individual or through a U.S. LLC with a personal guarantee. Partnership, corporation, S corp or revocable-trust vesting depends on the program.

DSCR rental loans

From each lender's own site, read October 29, 2026. Conditions for each figure are on the lender pages.
Term	RCN Capital	Griffin Funding
Loan amount	$70,000 to $1,500,000	$100,000 to $4,500,000 (larger loans by exception)
Max LTV (purchase)	Up to 80% LTV (75% cash-out)	Up to 80% LTV standard (20% down). Up to 85% (15% down) with a 740+ FICO on loans up to $1,000,000. Cash-out up to 80% LTV
Min FICO	660	620
Min DSCR	1.00x	No minimum (no-ratio program available)
Experience	Not published	Not published
Property types	1-4 units, condos, townhomes, PUDs	1-4 units, condos, townhomes, PUDs and short-term rentals

RCN Capital also publishes fix and flip loans; Griffin Funding does not. RCN Capital also publishes ground-up construction loans; Griffin Funding does not. RCN Capital also publishes rental portfolio (blanket) loans; Griffin Funding 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
Griffin Funding	All 50 states and Washington, DC for DSCR loans, per the DSCR page. Its state-licensing page lists licenses in 47 states plus DC (New York, Utah and West Virginia are not on that list). [src][src]	Not required. You can borrow as an individual or through a U.S. LLC with a personal guarantee. Partnership, corporation, S corp or revocable-trust vesting depends on the program. [src]	Offered through a separate Foreign National program: valid visa or visa waiver, at least 20% down, loans up to $5 million, typically up to four units. The DSCR page itself mentions only individuals and U.S. LLCs. [src][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.

DSCR rental loans. Lender figures read October 29, 2026.
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]
Griffin Funding	$100,000 to $4,500,000 (larger loans by exception)	Up to 80% LTV standard (20% down). Up to 85% (15% down) with a 740+ FICO on loans up to $1,000,000. Cash-out up to 80% LTV	620	No minimum (no-ratio program available)	Not published	[1][2]

If neither fits

Sources

RCN Capital: loan programs. Read October 24, 2026.
RCN Capital: FAQs. Read October 24, 2026.
Griffin Funding: DSCR loans. Read October 29, 2026.
Griffin Funding: DSCR loan requirements. Read October 29, 2026.
Griffin Funding: Foreign national lending. Read October 29, 2026.
Griffin Funding: State licensing. Read October 29, 2026.