Published terms, read October 24, 2026

RCN Capital vs New Silver: published loan terms side by side

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

New Silver

Direct private lender with online term sheets for fix-and-flip, ground-up and DSCR loans.

The differences that change a deal

Flip purchase advance: up to 95% at RCN Capital, 90% at New Silver.
RCN Capital publishes terms for rental portfolio (blanket) loans; New Silver publishes no terms of its own for them.
Smallest DSCR loan: $70,000 at RCN Capital, $150,000 at New Silver.
Largest DSCR loan: $1.5 million at RCN Capital, $3 million at New Silver.
Units on one rental loan: up to 4 at RCN Capital, up to 8 at New Silver.
Largest construction loan: $2 million at RCN Capital, $5 million at New Silver.
Largest flip loan: $2 million at RCN Capital, $5 million at New Silver.

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	New Silver
Loan amount	$70,000 to $1,500,000	$150,000 to $3,000,000
Max LTV (purchase)	Up to 80% LTV (75% cash-out)	Up to 80% LTV
Min FICO	660	660
Min DSCR	1.00x	0.75x
Experience	Not published	Not required
Property types	1-4 units, condos, townhomes, PUDs	1-8 units, short-term rentals allowed

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	New Silver
Loan amount	$75,000 to $2,000,000	$100,000 to $5,000,000
Purchase	Up to 95% of price (100% for the top tier)	Up to 90% LTC
Rehab	Up to 100%	Up to 100%
Max ARV	Up to 75% of ARV	Up to 75% of ARV
Min FICO	650	650
Experience	Not required; tiers by flips in the last 3 years	Not required
Term	12 to 18 months	Up to 18 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	New Silver
Loan amount	$100,000 to $2,000,000	$100,000 to $5,000,000
Max LTC	Up to 90% LTC (experienced tier)	Up to 90% LTC
Max ARV	Up to 75% of ARV	Up to 75% of ARV
Min FICO	650	650
Experience	Not required; tiers by projects built	Not published
Term	12 to 24 months	18 months

RCN Capital also publishes rental portfolio (blanket) loans; New Silver 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
New Silver	41 states and Washington, DC (Alabama for DSCR only), per New Silver's February 2026 list. [src]	DSCR loans can be made to LLCs and corporations; whether an entity is required is not published. [src]	Fix-and-flip and ground-up loans require a US citizen or legal resident. Not published for DSCR. [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 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]
New Silver	$150,000 to $3,000,000	Up to 80% LTV	660	0.75x	Not required	[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]
New Silver	$100,000 to $5,000,000	Up to 90% LTC	Up to 100%	Up to 75% of ARV	650	Not required	Up to 18 months	[1]

If neither fits

Sources

RCN Capital: loan programs. Read October 24, 2026.
RCN Capital: FAQs. Read October 24, 2026.
New Silver: DSCR loans. Read October 24, 2026.
New Silver: fix and flip loans. Read October 24, 2026.
New Silver: construction loans. Read October 24, 2026.
New Silver: company and product summary (llms.txt, last updated Feb. 6, 2026). Read October 24, 2026.