Published terms, read October 24, 2026

RCN Capital vs LendingOne: published loan terms side by side

DSCR floor: RCN Capital 1.00x, LendingOne 0.75x. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), RCN Capital needs at least $2,000 of rent; LendingOne needs at least $1,500 of rent. 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.

LendingOne

Investor lender offering DSCR, fix-and-flip, construction, fix-to-rent and SFR portfolio loans.

The differences that change a deal

States: RCN Capital excludes Utah and Vermont, which LendingOne does not list as excluded.
Flip purchase advance: up to 95% at RCN Capital, 92.5% at LendingOne.
First build: RCN Capital lends to first-time builders; LendingOne requires at least one ground-up project in the last 36 months.
Smallest DSCR loan: $70,000 at RCN Capital, $85,000 at LendingOne.
Largest DSCR loan: $1.5 million at RCN Capital, $2 million at LendingOne.
Largest construction loan: $2 million at RCN Capital, $40 million at LendingOne.
Largest portfolio loan: $75 million at RCN Capital, $3 million at LendingOne.
Largest flip loan: $2 million at RCN Capital, $3 million at LendingOne.

DSCR rental loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	RCN Capital	LendingOne
Loan amount	$70,000 to $1,500,000	$85,000 to $2,000,000
Max LTV (purchase)	Up to 80% LTV (75% cash-out)	Up to 80% LTV (75% cash-out)
Min FICO	660	Not published
Min DSCR	1.00x	0.75x
Experience	Not published	Not published
Property types	1-4 units, condos, townhomes, PUDs	Single family, 2-4 units, condos, townhouses

Fix and flip loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	RCN Capital	LendingOne
Loan amount	$75,000 to $2,000,000	$100,000 to $3,000,000
Purchase	Up to 95% of price (100% for the top tier)	Up to 92.5% LTC
Rehab	Up to 100%	Up to 100%
Max ARV	Up to 75% of ARV	Not published
Min FICO	650	Not published
Experience	Not required; tiers by flips in the last 3 years	Not published
Term	12 to 18 months	12 to 24 months

Ground-up construction loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	RCN Capital	LendingOne
Loan amount	$100,000 to $2,000,000	Up to $40,000,000
Max LTC	Up to 90% LTC (experienced tier)	Up to 90% LTC
Max ARV	Up to 75% of ARV	Up to 70% of ARV
Min FICO	650	Not published
Experience	Not required; tiers by projects built	At least one ground-up project in the last 36 months
Term	12 to 24 months	12 to 24 months

Rental portfolio (blanket) loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	RCN Capital	LendingOne
Loan amount	$2,000,000 to $75,000,000+	Up to $3,000,000
Max LTV	Up to 70% LTV	Up to 80% LTV (75% cash-out)
Min DSCR	Not published	1.00x
Min FICO	Not published	Not published

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
LendingOne	Every state except Alaska, Nevada, North Dakota and South Dakota. [src]	Required: LLC, limited or general partnership, corporation or revocable trust. [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.

DSCR rental loans. Lender figures read October 24, 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]
LendingOne	$85,000 to $2,000,000	Up to 80% LTV (75% cash-out)	Not published	0.75x	Not published	[1]

Fix and flip loans. Lender figures read October 24, 2026.
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
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]
LendingOne	$100,000 to $3,000,000	Up to 92.5% LTC	Up to 100%	Not published	Not published	Not published	12 to 24 months	[1]

If neither fits

Sources

RCN Capital: loan programs. Read October 24, 2026.
RCN Capital: FAQs. Read October 24, 2026.
LendingOne: DSCR rental loans. Read October 24, 2026.
LendingOne: fix and flip loans. Read October 24, 2026.
LendingOne: new construction loans. Read October 24, 2026.
LendingOne: SFR portfolio loans. Read October 24, 2026.
LendingOne: FAQs. Read October 24, 2026.