Published terms, read October 24, 2026
RCN Capital vs Visio Lending: published loan terms side by side
Credit on rentals: RCN Capital publishes a 660 minimum, Visio Lending 680. At RCN Capital, 80% LTV on a purchase needs a 700+ score; 660-679 gets up to 65%. 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.
Visio Lending
Austin-based lender, founded in 2012, that makes DSCR loans only, on long-term and short-term rentals.
The differences that change a deal
- Leverage on a rental purchase: up to 80% at RCN Capital, 85% at Visio Lending, which is 5 points of down payment on the same house.
- RCN Capital publishes terms for fix and flip loans; Visio Lending publishes no terms of its own for them.
- RCN Capital publishes terms for ground-up construction loans; Visio Lending publishes no terms of its own for them.
- RCN Capital publishes terms for rental portfolio (blanket) loans; Visio Lending publishes no terms of its own for them.
- DSCR floor: RCN Capital publishes a 1.00x minimum; Visio Lending does not publish a floor, so ask before you order an appraisal.
- Smallest DSCR loan: $70,000 at RCN Capital, $75,000 at Visio Lending.
- Borrowing entity: RCN Capital: loans are made to a business entity. Visio Lending: optional (LLC or corporation), but required in GA, HI, IL, MA, NJ, NY, PA and VA.
DSCR rental loans
| Term | RCN Capital | Visio Lending |
|---|---|---|
| Loan amount | $70,000 to $1,500,000 | From $75,000 (maximum not published) |
| Max LTV (purchase) | Up to 80% LTV (75% cash-out) | Up to 85% LTV on a purchase |
| Min FICO | 660 | 680 |
| Min DSCR | 1.00x | Not published |
| Experience | Not published | Not published |
| Property types | 1-4 units, condos, townhomes, PUDs | Single family rentals, long-term and short-term |
RCN Capital also publishes fix and flip loans; Visio Lending does not. RCN Capital also publishes ground-up construction loans; Visio Lending does not. RCN Capital also publishes rental portfolio (blanket) loans; Visio Lending 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 |
| Visio Lending | Described as nationwide; the state map is not published as text. [src] | Optional (LLC or corporation), but required in GA, HI, IL, MA, NJ, NY, PA and VA. [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 |
| RCN Capital | $70,000 to $1,500,000 | Up to 80% LTV (75% cash-out) | 660 | 1.00x | Not published | [1][2] |
| Visio Lending | From $75,000 (maximum not published) | Up to 85% LTV on a purchase | 680 | Not published | Not published | [1][2][3][4] |
If neither fits
Sources
- RCN Capital: loan programs. Read October 24, 2026.
- RCN Capital: FAQs. Read October 24, 2026.
- Visio Lending: home page (state notes). Read October 24, 2026.
- Visio Lending: 85% LTV purchase loans. Read October 24, 2026.
- Visio Lending: long-term rental guide. Read October 24, 2026.
- Visio Lending: DSCR loans. 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.