Published terms, read October 24, 2026
RCN Capital loan terms
Investor lender offering fix-and-flip, bridge, rental, construction, portfolio and 5+ unit loans, with published tiers by experience and credit score.
RCN Capital: DSCR rental loans
| Term | RCN Capital | Doors Funded programs |
|---|---|---|
| Loan amount | $70,000 to $1,500,000 | $75,000 to $2,000,000 |
| Max LTV (purchase) | Up to 80% LTV (75% cash-out) | Up to 80% LTV (75% cash-out) |
| Min FICO | 660 | 660 |
| Min DSCR | 1.00x | 1.05x |
| Experience | Not published | Not required |
| Property types | 1-4 units, condos, townhomes, PUDs | Single family, 2-4 units, townhomes, PUDs, warrantable condos |
Conditions: LTV is tiered by credit score: 80% on a purchase needs 700+; 660-679 gets up to 65%. As-is value at least $115,000. 30-year fixed, 5/1, 7/1 and 10/1 ARMs, interest-only options. [1] [2]
RCN Capital: Fix and flip loans
| Term | RCN Capital | Doors Funded programs |
|---|---|---|
| Loan amount | $75,000 to $2,000,000 | $50,000 to $3,000,000 |
| Purchase | Up to 95% of price (100% for the top tier) | Up to 90% of price |
| Rehab | Up to 100% | Up to 100% |
| Max ARV | Up to 75% of ARV | Up to 75% of ARV |
| Min FICO | 650 | Quoted per loan |
| Experience | Not required; tiers by flips in the last 3 years | None required |
| Term | 12 to 18 months | 12 months; 18 months case by case |
Conditions: 100% of price needs 10+ flips (5+ in the same state), a 720+ score and a loan of $800,000 or less ($1M in California). With no flips in the last 3 years: up to 70% of price and 60% of ARV. Minimum ARV $100,000 single family, $75,000 for 2-4 units. [1] [2]
RCN Capital: Ground-up construction loans
| Term | RCN Capital | Doors Funded programs |
|---|---|---|
| Loan amount | $100,000 to $2,000,000 | $50,000 to $3,000,000 |
| Max LTC | Up to 90% LTC (experienced tier) | Up to 85% of cost (90% with 3+ similar projects) |
| Max ARV | Up to 75% of ARV | Up to 70% of completed value |
| Min FICO | 650 | Quoted per loan |
| Experience | Not required; tiers by projects built | 1-2 prior ground-up builds |
| Term | 12 to 24 months | 12 months, up to 18 (up to 24 for experienced builders) at the lender's discretion |
Conditions: Top terms need 10+ ground-up projects, or 5+ in the last 3 years; first-time builders get lower limits. Assumes entitlements, permits and approved plans. Minimum as-completed value $175,000. [1] [2]
RCN Capital: Rental portfolio (blanket) loans
| Term | RCN Capital | Doors Funded programs |
|---|---|---|
| Loan amount | $2,000,000 to $75,000,000+ | Up to $2,000,000; each property worth at least $72,000 |
| Max LTV | Up to 70% LTV | Up to 80% LTV (75% cash-out) |
| Min DSCR | Not published | 1.05x |
| Min FICO | Not published | 680 |
Conditions: 5-, 7- and 10-year terms; 1-4 units and 5-9 unit buildings; portfolio at least 90% leased; non-recourse. [1]
Where RCN Capital lends and who can borrow
| Lender | Where it lends | Borrowing entity | Foreign nationals |
|---|---|---|---|
| Doors FundedOur programs, arranged by Janover Capital LLC | 47 states and Washington, DC. Not available in North Dakota, South Dakota or Vermont. | Business entity (LLC or corporation); full recourse | DSCR: Eligible, up to 65% LTV. Fix and flip: Eligible (some countries excluded). Construction: Eligible. |
| 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 |
Who RCN Capital fits, on its published terms
- Investors who want to see the exact tier they fall in. RCN publishes its loan-to-value by credit score and by number of past flips and builds.
- Smaller rentals: DSCR loans start at $70,000 (the property must appraise at $115,000 or more).
- Larger portfolios: its portfolio desk lends $2 million to $75 million or more, non-recourse.
Check these before you apply
- Not available in Alaska, Nevada, Utah, North Dakota, South Dakota or Vermont.
- A DSCR purchase at 80% LTV needs a 700+ score; at 660-679 the cap is 65%.
- With no flips in the last 3 years, flip loans top out at 70% of price and 60% of ARV.
Where our programs differ
- DSCR credit tiers: RCN drops to 65% LTV below 680; our program publishes one cap (up to 80% LTV (75% cash-out)) from 660.
- First flip: RCN's no-experience tier is 70% of price and 60% of ARV; our program lends up to 90% of price and up to 75% of ARV with none required experience.
- States: RCN does not lend in Vermont, North Dakota or South Dakota, and neither does our program; RCN also excludes Alaska, Nevada and Utah.
Neither column is a quote. Every lender prices each deal, and the term sheet you get is what counts. If your deal sits near a limit in either column, send it and we will tell you which side of the line it falls on.
Head-to-heads
Sources
- RCN Capital: loan programs. Read October 24, 2026.
- RCN Capital: FAQs. 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.